Before we start burning witches, I think it's "fair" (yeah, the same word used in the title) to not only decide on fairness based on outcome but also on reasons.

What percentage of being poor is your own doing or 'not doing'? What life choices do you make? Do you smoke/drink/do drugs, are you obese, are you physically active?

These things affect both how long you live and also how rich you are at the time of your death. Yeah, I know it's a spiral and it's hard to break out (been there).

Still, nobody will do it instead of every individual, no matter how "social" the government is.