There are a bunch of reasons why people stay poor and can't move to upper financial levels. Sometimes it's the lack of opportunities or resources, and other times it could be due to circumstances beyond their control. No matter how much they try, they just can't improve. This happens mainly due to lack of government support and unbalanced/bad economy of the country. Again, some can't improve due to lack of financial education or not knowing how to break the cycle of poverty. And then there are people that wants to stay poor, wait for others to improve their situation, while blaming the same people for their situation.
Many things are involved why people are poor. The background where one belongs can make someone to remain poor incase of the environment where one was brought up, if their are no opportunities like education, jobs , flow of money that can help people come out of poverty it is possible one might remain poor. The environment, government where we find ourselves matters alot whether to become rich or to remain poor. The environment and the government are the major factors of creating poverty.
Supporting factors make poor as what you say is true and I can't deny it all because of the fact that there are many complaints in the same sentence from the average poor person as what you said, I heard that sentence myself from most poor people too , the thing that makes it strange is that they say their condition and they are aware of what they could not get long ago when they realized they did not get proper education from the government, the country's economy was in shambles, the environment was unhealthy and other things that caused them to be poor, I think that's strange because consciously they are already aware of what makes them poor without taking action to overcome it, I think humans are not animals that just live life and move according to instinct, but humans are creatures that can think no matter how stupid humans are still able to think unless they are human Crazy.
The habit of people who cause him to be poor is a character who always blames outsiders other than himself, such as the environment, education, the government and others so that he does not feel that he is the one who made the bad things or failures happen to him.