It's a nice, clever cop out but ultimately a cop out. Bicyclist gets hit by a car. Loses his legs. Did he make poor life choices? I wouldn't say so. Say that same bicyclist has built a career as a great door to door sales man. Now he's on hard times. Did he still make poor life choices? Should we, then, all avoid bicycles and work in door to door sales, even if those two things happen to be things people enjoy and, on the whole, beneficial?
You can think of an unlimited number of scenarios where someone has fallen on hard times through no fault of their own. In fact, the most callous and unhelpful thing to say is "you made poor life choices bro" like you even know what you're taking about.