My view comes from the experience of 3 years of bad poverty (regularly didn’t have enough to eat). The situation arose from a catch-22 of working for $3-4/hr. At that rate, any non-wage work was household work to lower costs (like baking my own bread). And I was working a lot. My anecdotal conclusion is that hard work and privileges/luck were both critical in escaping the bad old days. I often think about how much harder it would be for someone born into a bad situation. I agree with your initial premise that the nature of many of those success stories results from attribution errors. We should never fail to see ourselves as part of a web.
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Both arguments are partial views of a cohesive whole. There is also a definitional problem. If you define “poverty” as “the least well off end of an inequality gap” then the nihilist view is spot on. The “hard work doesn’t do shit” view will be as valid for North Korea as it is for the US. Why? Because it is an irreducible and objective fact of Nature that two people (or dogs or dolphins) who make different choices will have different results—and the “inequality is injustice” crowd baked the “injustice” Definition into was is essentially physics. Crabs and Cockroaches and Cockatoos have PRECISELY the same “injustice problem”.