Yes, the article says that, but I have direct experience which says the article is not telling the whole story. Some people are making all the right decisions and are still poor due to bad luck trapping them in a cycle of financial ruin. But also, some people really are poor due to their own crappy decisions. I've known them! They exist and must be accounted for in any productive discussion about poverty.

Many, many people try to act like only one of these two groups of poor people exists. For some people, that means they claim that if you're poor it's only because of your own bad decisions. For some people (including, to be frank, most of the commenters in this thread), it means they claim that if you're poor it's only because of systemic issues. Both claims are wrong, however, and both hamper us from finding effective solutions.

Whether one is poor due to external causes or their own bad decisions, they deserve to be treated with compassion and for us to try to help them. But the solutions for those two failure modes look very different and helping one group isn't going to do anything to help the other. Thus, trying to effectively solve problems of poverty in our society must include a balanced view, recognizing that both causes of poverty (systemic issues and bad personal decision making) are quite real.