Your thesis has an implication that is readily checked:

If living poverty makes people more industrious, then people who grew up in poverty should have better outcomes than people who never have.

And that's pretty well proven to by false. In fact, there's a name for all of the negative effects of living in poverty that perpetuate a life in poverty: the cycle of poverty.

You’re rejecting the conclusion of studies that you haven’t even read?

Anecdote > data?

Personal observations and reasoning > crooked, conclusion-oriented "studies"

Actually reading a study, researching who conducted and funding it, and their methods > calling a study crooked because it disagrees with your world views

Your own words betray you. You've got your conclusions already. I bet you ascribe your lucky breaks to personal qualities too.