1) Wanting to look at the root causes of an issue is always commendable, but the problem with this kind of analysis on HN is that it's a community of very smart people trying to explain the behavior of very dumb criminals through the lens of a high-IQ. You're trying to find the logic in what they're doing and putting yourself in their place to explain it with a logical reason, but you can't conceive how different the world is for the low-IQ people looting and stealing and harming others. Their reasons for crime might be far different than the reasons you try and see based on what you might do in their shoes.
2) I think that simply explaining that current crime comes from poverty and needing money is an explanation that falls flat. Much of the human experience has been in immense misery or poverty that the poorest person living in the US today can't even conceive of. Poor people in the US can still have TVs, smart phones, and more food than they can even eat. Poor people in the past used to literally sometimes die of starvation and have to choose whether or not they were willing to eat rotten food or hell, even rats or worse to survive. They had to risk working in extremely dangerous mines, factories, etc to barely eke out survival. Why didn't these people casually turn to crime? They had it much worse! Would it ever be socially acceptable for large groups in the past to run amok and violently burglarize others? No, I don't think it's poverty. Something else about the world has changed other than "poor people need money so they resort to crime."
3) My thinking is that something closer to an extremely high and increasing time-preference is what is causing a lot of these problems. Whether it's through the influence of technology, apps, music/movies/tv and other cultural causes, many people have been conditioned to value the dopamine hit of immediate gratification far more than thinking about the long-term.