I agree that these are useful frameworks. When I said they're not equally attainable by all, I meant that for people who are better off, these things can sort of just fall in their lap, whereas poor people more often have to struggle for them. I know I'm saying something that is common sense, but I just wanted to make the point that inspiring people to be more virtuous is great, but a lot of people face material and psychological obstacles which make attaining these things "without much difficulty" (quoting the parent commenter) not very realistic. I think we agree there.

Not many people would openly say that poor people deserve to be poor. Those aren't the words that the parent commenter used, and maybe that wasn't even the intention. But this line of thinking can encourage people who feel this way, by giving their feelings a moral justification.

All I mean is, we should be empathetic toward people who have fewer resources than we do, and not be too quick to credit our accomplishments to our virtuous living.