It looks like we just disagree. I do believe that is often society’s fault, and that it’s usually just a lazy way to absolve one’s self of blame or moral duty to act, or to justify that it’s OK to take political action that tacitly increases harm to the poor because it’s “their fault” they experience the circumstances they do.
We often want to read narratives into our daily observations that paint ourselves as either self-sufficient heroes who worked for everything we got, or as victims of unfair circumstance. But when it comes to other people, we try to read narratives into their circumstances that absolve us of having to worry about it, or justify preconceived judgments we want to make.
Bad decision making on the part of people systematically harmed by institutions, governments and policies is a classic example. Such people were often given no realistic opportunity to be capable of making good choices, but we steady ready to rush in and blame them the minute they make bad choices, which were the only kind of choice we gave them any realistic option to make.