Possessing those positive traits you speak of is also a matter of luck: the upbringing of an individual has been proven to affect one's ability to make correct

Possessing those positive traits you speak of is also a matter of luck: the upbringing of an individual has been proven to affect one's ability to make correct decisions. Effort counts, and it counts a lot, but let's not pretend that we can override causality with it. That's why we have things like welfare and social nets.