The point with being poor is that it's often a choice of taking care of your immediate needs to keep a roof over your head than it is the "choices" which include time, money, and other things, that you take for granted that folks have.
I work for a company where we worked with working poor women, only to discover that those who wanted to leave a shelter when looking for a job couldn't because they didn't have a phone to contact them (which they couldn't afford) and the shelter had only one land line.
You REALLY have no idea what's going on in real life, seeing how your points have ZERO real life scenarios tied to it, other than pushing right wing bumper sticker talk.