Actually, it's pretty much both. And I absolutely agree that any attempt to blame individuals for their plight is absolutely misguided. Not least because it's

Actually, it's pretty much both. And I absolutely agree that any attempt to blame individuals for their plight is absolutely misguided. Not least because it's rather misleading to even talk about people "choosing not to obey" the norms of civil society as a relevant issue - the fact that this is even a plausible choice simply shows that the self-sustaining aggregate of norms, solid institutions, real opportunity to be economically productive and even to excel (and not just pointless make-work) and the like were never properly established in the first place - that these people, in a way, are indeed being excluded and subjugated, if perhaps only via inaction. It's nonetheless a mistake to presume that such subjugation "preserves" wealth. It actively destroys wealth, whether or not it functionally preserves an existing social hierarchy.