I agree with absent. I too find it irritating when people make sweeping generalisations about matters that are complex and which don't have easy answers.
Surely it is not that difficult to understand that if you are contributing to a site containing a large number of people, many of whom will have, or will have had, some personal or family experience of: unemployment, debt, problems with children, alcoholism/substance abuse, etc. etc., you should have some very firm evidence to support the contention that such problems are, in effect, their own fault.