Have I mentioned this already? Apologies if I did but it tells of an important data point. It turns out that measuring both successful and unsuccessful cohorts, they find that there is no important difference in the quality of the decisions they make. The canard that poor people should just decide to do the right things and stop doing the wrong things is simply wrong.
This research shows that making all the right decisions can leave you poor and miserable and that making all the wrong decisions can still get you rich and comfy.
I've read before that researchers can find no 'virtues' that justify wealth. It largely comes down to luck (meeting the right mentor in college, being in the right place at the right time) and connections.
The idea that rich people deserve all that money and poor people deserve to have none is wrong.