I believe that's an old meme. I first experienced it among middle class Mexicans. I heard them say "the poor stay poor because they choose to" more times than I remember.
It boggles the mind.
For various reasons a small amount of the population does seek out the vagrant lifestyle. Check out https://squattheplanet.com
I'm somewhat of a musician, and that's the nominal career most of these guys (It's almost always guys ) have had.
It's complicated.
When you see that 'wage theft' (nonpayment of earned wages) is well in excess of all criminal theft combined, when you see a class of people compensated in millions or billions for doing nothing, when you try to get entrepreneurial and find it's basically a lottery for trying to attract the money of (a) money, or (b) an underclass of people who simply don't have money to spend on your goods or services, that's when you lose faith in not only the Western implementation of capitalism but even the concept itself.
Which is a shame as it's a darn fine pachinko machine for distributing resources without much human oversight. It's not a social system, but it's a handy mechanism in its place.
Just remember 'the poor choose to be poor' is essentially a religious tenet.