The best way to help poor people who make reasonably good decisions is to give them money. People who make bad decisions often end up poor. Giving them money will not help them make better decisions, and may make them worse off. How you think those two effects interact, and how much you value efficiency of donation vs. enabling people with poor decision making skills to waste probably determines where you stand on th…
But there are also many people who started poor and stayed poor, because they did not have the possibilities of the rich.
Or is your argument, that somebody whose parents where rich, will stay rich, because he made all the good decisions himself? There are so many rich, that make bad decisions and stay rich, because they have so much, they always will stay afloat.