The corporate buses often stop at public bus stops, sometimes blocking MUNI buses from the stop.
It's ok, you can call them poor.
You're not completely wrong: many of these people have made mistakes, but the nature of how those mistakes get compounded can pretty thoroughly screw someone who was born with a bit of a handicap and who got off to a bad start.
So while it is possible to overcome these setbacks (and people should be encouraged to do so), it's not something one should be glib about.
Your comment ("lol income inequality") is dripping in upper-class privilege, as if you're the one suffering when poor people bring up things like the disappearing middle class & tax breaks for the wealthy -- because they're being "toxic".