The intentions are there, but if you only look for the good in people you will be taken advantage of and swallowed by grifters. Some who are driven by selfishness, some who are driven by lust for disruption and/or destruction.

The general trend in the west right now seems to be an overestimation of the good in all of us, and society is increasingly paying for it. I know that many are downtrodden for reasons outside of their control but that doesn't excuse the fact that a lot of poor people are poor because they are shitty, antisocial people, and no amount of mentoring or social programs will fix them.

That's where redlining comes from. That's why poor people pay higher interest for loans, if they can even get them. It's not just blind classism or "systematic racism" without a cause. Social groups are an emergent phenomenon, not a deliberate invention.