A global study led by a researcher at Columbia University Mailman School of Public Health and published in the journal Scientific Reports finds that economic inequality on a social level cannot be explained by bad choices among the poor nor by good decisions among the rich. Poor decisions were the same across all income groups, including for people who have overcome poverty.
A long time ago I built a Bayesian Network using a large set of variables extracted from census data. Despite all of the possible causal relationships it could have constructed it determined that being black was the cause of low income. No other variable for society to address that could address that causal relationship.