In my original comment, I said that there's no reason to be poor, with a couple of exceptions - including bad luck. With hard work and discipline, you don't need to have especially good luck to break out of poverty, but yes, any bad luck can wreak havoc on the life of anyone in almost any socioeconomic circumstance. This is why it's still important to have social safety nets, even if the general public doesn't like the fact that these nets will save both the very unlucky and irresponsible people/those that simply don't want to contribute to society.