This is not how those that are wealthy view their success. I work for some very wealthy people at times.I know you are not suggesting that poor and unemployed people are the result of being less intelligent, lazy, and loose with money, or that wealth is always the product of sweat and brains and honest dealings with money. Right?
There are actually lots of schools of thought on how wealth and economic classes operate. This is due to it being a complex topic with many variables.