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Nonsense. The view that (to paraphrase) "poverty is attributable to laziness" is ridiculous on its own merits; Your claim that an ad hominem is necessary to show how wrong it is is even more ridiculous.

Luckily, no one trotted out that argument. Even if they had trotted it out, making wimpy appeals to the claimant's "privilege" has no bearing on whether the statement "poor people would be just fine if they weren't lazy/ignorant/poor/etc" is true or not. Such claims can be exploded in the same way as any other false claim. By addressing the argument and exposing it as untrue.

What do you mean by "factor in"? Are you saying I have my viewpoint because I'm privileged? Are you saying my viewpoint on the matter would be different if I didn't have the privilege? Or are you saying that my viewpoint is invalid because I have privilege?

Or something else, entirely? Really, I'm curious... As someone whose parents had no privilege and were poor.