Let's be real though -- sometimes "shit happens." I'm not saying the majority of poor people are pure victims of circumstance, but there is also significant evidence that being poor and dealing with those struggles is permanently damaging to the human psyche. One has to look no further than an abused animal to see that this emotional baggage is a very deep part of the mind. It takes much longer to undo the damage than it does to inflict it.
You make a good point that poverty isn't something we should obsess over or try to make ourselves feel guilty about. If we are successful, we should feel good about that and have a healthy sense of empathy towards those that are less fortunate.