Earlier quoted context omitted.
This implies one's being upper class is a reflection of having better habits than the poor, which is incorrect. They just have more money. Rich people could not survive poverty.
Both can be true, if growing up with more money is a causal factor in having "better" habits (in terms of wealth generation/retention). I also agree that many rich people could not survive poverty. Both are adapted to their situations. The problem is that this makes it harder to bring people out of poverty, because you're trying to pull them into a situation they're less adapted for. I actually am in favor of simply…
Avoiding death is a pretty strong force for adaptation to new circumstances.