This is another variation on the privilege discussion. It is okay to observe that some parts of the population are more privileged than others based purely on circumstance, but it is inappropriate to level the accusation of being privileged at individuals. And along the same lines, it is inappropriate for individuals who are disadvantaged to dwell on their circumstances and use that as an excuse to give up. Everyone can improve with effort, and I'd wager that the vast majority of people can improve enough to have a perfectly happy life if they try.