I'm afraid your experiences are not universal.
There is a very strong streak of this in the US, significantly (though probably not wholly) traceable to the Calvinist roots of the Puritans who were a profound influence on the early culture of the country. When you believe that people's position on Earth is due to their level of deserving (Just World Fallacy), it's very easy to extend that to "and therefore we shouldn't try to help poor people; they're just being punished for being bad people."