Earlier quoted context omitted.
Nothing. Sure, INDIVIDUALS are at fault for a variety of options, but if you're looking to blame the poor as a group for something, you're using the wrong criteria, since it's a status that has no direct mapping to choice.
So the rich, powerful and elite are also not responsible for anything either? Just individually? That seems like quite the atomised society.
The distinction is that money provides opportunities, poverty is the lack of them.
You can hold the wealthy responsible for what they do with their wealth, or what they don't do with their wealth. Because wealth is something they HAVE. The poor, on the other hand, don't HAVE anything, so you can't say they are using their lack of wealth foolishly, nor can you say they are failing to use their lack of wealth wisely.