Neither resources or character, but fate.
Imagine you're born in India and unfortunately you're a Dalit aka lowest social class in India, you can only work in sanitation jobs and there's no way for you to change your life no matter how hard you try and work, because you're a Dalit.
Their life is already hard, stop putting more pressure on them, being born poor and dying poor are fates.
Forced by the circumstances of their birth and poverty, Dalits in India continue to work as sanitation workers: manual scavengers, cleaners of drains & sewers, garbage collectors, and sweepers of roads.
Or if we are unlucky enough to be citizens of a poor country, a country with a corrupt government that does not care about the life and death of its people, or born in countries and regions that are constantly at war due to the bloodlust and cruelty of politicians from other powers. If we are born there, no matter how hard we try, we will never escape poverty.
The saying "Being born poor is not your fault but dying poor is your fault" just wants to remind everyone to always try hard in life, don't give up until you die. No more, no less, it means nothing else.
There are many causes and factors that cause poverty, we need to know what situation they are in, what they have been and are going through. Don't be quick to criticize or look down on the poor and assume that all poor people are lazy and deserve it.
There are many people who are too short-sighted, thinking that because they are talented they can escape poverty and look down on others, but they do not know that the causes of our poverty are not the same.