Poverty is not a choice. Nobody wants to be poor.
Mental Trauma is not a choice. Nobody wants to have that.
Physical disability is not a choice. Nobody wants to have that either.
Unemployment is not a choice. Nobody wants to be unemployed.
Bad education is not a choice. Nobody wants a bad education.
from one perspective it is true, usually when one is born with it.. from another perspective, it is a choice, though usually an indirect one... at one time a person have money and throw it all to gambling, the original intention is to get rich, but in the end.. poverty.. its an (indirect) choice... a fully able person but choosed to do crazy things, bungee jump, cliff climb, dive, or whatever... drive recklessly while selfie or drunk just because its fun, enjoyable and because we can, things went wrong, then they get Physical disability, Mental Trauma, Unemployment etc... its an (indirect) choice... parents send kids to school but choose to not pay attention, always play smartphone, do enjoyable social activities etc, got dropped out or fail in exam.. bad education, Unemployment ... its an (indirect) choice...
the problem with most people, including the many that can afford to pay internet bill to chat in forums, or even with some professional knowledge and skill set... is they only activate their 1st level thinking skill, 2nd and higher level thinking is either sleeping or dead... ok if we do this, its fun.. so lets do it! if later on, something go wrong, after few days later, months or years later... they cant relate or find reason what was happening why bad things happened today... sometime there are long chain and reactions of cause and effect... there are many people came from poor people climb up the ladder become better and better even one step for each generation... and there are people came from the rich/well educated/healthy family ended up in mental trauma, anxiety, desperation etc... its a choice, whether a direct or indirect one, whether we know it or we dont, and sometime the effect will happened to somebody else, other society groups or even family etc.