> People who make bad decisions often end up poor. Giving them money will not help them make better decisions, and may make them worse off.

But there are also many people who started poor and stayed poor, because they did not have the possibilities of the rich.

Or is your argument, that somebody whose parents where rich, will stay rich, because he made all the good decisions himself? There are so many rich, that make bad decisions and stay rich, because they have so much, they always will stay afloat.