i’ll tell you why in a shorter way:
you were born into it it is not your fault if you are born poor it is the kind of family you were given to so it is what it is if you were born rich then congratulations but how you die is what will be blamed on to you
if you still die poor then it means you didn’t try enough or opportunities weren’t made and they didn’t come your way but if you die rich then it means you took advantage of each opportunity and made it your own
You are right, just like you said if you are born poor is not your fault but if you die poor is your fault reason being that when you are coming to this world you have no right to decide which family to be born into but after you have been born and you have grown to an adult you now have right to decide if you want to remain poor or become rich, one good thing about life is that it always present everyone with an opportunity that will help lift you out of poverty it now depends on how you make use of it, some set of people always misuse there opportunity.
I know of someone that was very poor and he really suffered, he plays sport betting when ever he has little money with the hope that one day he will win a big money that will change his life so as time goes on he won $1 million he was very happy he bought a small house got married and he enjoyed the money and forget to invest so as time goes on the money finished and he started to suffer again and till now his suffering eating from hand to mouth, opportunity they say comes put once, the reason why some people died poor is because they didn't use the opportunity that would have changed there life for good.
Another thing is that always be consistent in what ever you do, no matter what people are saying always be consistent and it will pay off one day.