Bankruptcy has nothing to do with poverty. Poverty is income below a certain threshold, bankruptcy is a legal status that wipes away debts. In any case you seem

Bankruptcy has nothing to do with poverty. Poverty is income below a certain threshold, bankruptcy is a legal status that wipes away debts. In any case you seem to be arguing against a claim that no one in the US is poor due to bad luck, which isn't a claim I made. Consider "Bob" from this article. In the US Bob got lazy in high school and is now a barista. Over here Babu could easily get stuck in rural poverty even if he doesn't get lazy. Unlucky Babu, not lazy Bob, is the person you want to recruit.