>I don't think the majority of the poverty problem comes from otherwise well to do parents falling on hard luck
I don't disagree - competent people, who have learned successful strategies, are unlikely to be reduced to permanent poverty except in extreme cases.
However, for those born into poverty, growing up surrounded by ignorance and lack of stimulation does make it exceedingly difficult to learn necessary life strategies to begin the slow, often times multigenerational climb out of poverty. First and foremost, what no one is willing to admit, combating poverty, at least in first world nations, really comes down to combating culture. And because a large proportion of certain (not all) minorities live within this culture, the idea of changing their way of life, even if you think it's ostensibly for the better, is understandably a sensitive subject.
But the way we dance around it isn't doing anyone any favors.