As a CPA I talk to people about finances from all walks of life, including and beyond my clients. I think a lot of poverty is rooted in something more fateful and tragic than unequal opportunities but unequal IQ, and I'm not sure how ethical our system can be, given this observation.
And when I say IQ I don't mean value-based decisions like buying designer at the expense of rent. I mean basic calculation and strategy like aligning credit cards in a way to maximize liquidity, calculating expected fees on stuff and a lot of other things I was doing before I ever considered becoming an accountant...in like high school.
I look at a lot of financial situations and I can't say in good faith that any government program will help them because they're just really bad at IRL algebra and they wont square away the x even x represents a greater share of resources.