No matter who or what is to blame, the individual is who is paying the price and who should have the strongest interest to get out of that situation. Which means, if you're staying in that situation for years on end you have to admit to yourself you are doing something which isn't working.
Thats why people have more sympathy for somebody who is poor because they are temporarily down on their luck or born into poverty, and less sympathy for somebody who has been poor as an adult for decades.