By the same token, dysfunctional rich kids into drugs and other methods of squandering wealth are so common that they're a cliche. Maybe their emotionally distant parents are to blame too.
Regardless of how they got there, at some point you have to just acknowledge that some people have useful survival skills for getting ahead in society, and some do not. Also, that virtually anyone who isn't actually mentally retarded has some ability to develop those skills if they want to strongly enough.
This leaves you the option of modeling these skills as obtainable, which means that you create incentives for people to get their sh*t together, and the option of modeling these skills as innate and beyond anyone's control, which means that you just support people who drew the short straw and don't bother with incentives.
I think it's pretty clear which of these models contributes to wealth gain over time and which contributes to welfare dependency.