Riiiight. And the poor often have a lot of choice compared to their relatively wealthier counterparts. Check your privilege dude.
I believe we each make our own choices. I've been poor. I didn't spend my money on gambling or lottery tickets.
Of course we make our own choices, but the question is whether those choices are completely ours, an expression of full conscious agency, free of any polluting influence. And for all our choices, both the ones we think hard about, and the ones when we're exhausted and our attention is split.
Do you believe "personal accountability" extends to accepting the blame for someone else's manipulative intent?