I'm not saying people can't overcome their circumstances. I'm saying they're the exception, not the rule, and that the answer of "they're stupid and lazy" seems to me to be a massive oversimplification.
There was a time when we were a nation of such "exceptional" people. At one time, being exceptional in that way was necessary (for survival), so people did it. Now, such people are considered extraordinary, and I find that saddening.
I agree that the broad accusation of being "stupid and lazy" is indeed an oversimplification. Its more likely to be a matter of poorly placed/taught values in things like: self-sufficiency, freedom, choice. Education plays prominently into all 3 of these things, but without valuation of these 3 there is little motivation for the effort of learning, earning, or contributing.
Note that I didn't put "comfort" or "security" in my list. It is fine to value those as well and we all do to some degree. However, when their value relative to rest becomes out of whack... well, then we get what we have and its exceptionally difficult to teach new or contrary values upon a large population. That doesn't make the effort to do so worthless, but maybe it makes us "exceptional" for trying.