"So what if you had a crap upbringing..."
Some people really can grow up in such a poor situation that they do not learn the basic life skills that we take for granted. In my foolish, youthful, libertarian mindset in college, I related how my family didn't have much money growing up. I got a job in high school, paid my way through college, etc. I was rebuked, and handily, by a professor who had spent time in inner cities in both the US and the Middle East.
She said, essentially, that I grew up in a decent school system, learned basic financial skills, learned basic skills as it related to job markets, and basic skills about interpersonal relationships. Contrast that to an inner city youth with no support network, a single parent who was often gone working, who learned interpersonal skills navigating the gangs in his neighborhood.
There are people who have successfully come out of those situations, but they have to overcome a lot of innate survival traits that don't prepare them to fit into societies expectations of work culture, financial awareness and planning, etc. These are things many of us take for granted because we happened to have been brought up with slightly less severe surroundings.