I was a neglected and abused child. I sometimes went weeks where my only food was what my friends shared with me at school. My body will be damaged for the rest of my life because of that neglect.
And my father made almost 6 figures and I lived in his house during this time period. He has lost his job/business quite a few times during his life but was supported by the community and family network that his family has built up to get into other well paying work within days each time. He was able to be a drug addict that was abusive and didn't support his family because his community and network would handwave it away with how hard he worked (he's a tech monkey) and how important his family were to their little bubble. He's made a lifetime of bad choices and supported all the way through by the network that his family built up - not him, his family. My mother did not have this network (and when they separated was shunned by this network) and was left to flouder in her alcoholism and isolation and sweeping up both of their bad choices. If she had his network, things would have been very different for her.
It isn't bad choices alone that gets and leaves people , it's the lack of most often inherited prestige and status. It's far easier for companies and sharks to smack people around when they have no other support and the surrounding messages are that they are subhuman for not having that network. When someone in poverty gets told that the company has made an error, hasn't sent them an updated bill in a year and because of the company's lack of communication, the person is almost a grand in debt to them and must spend almost three times as much each month to them, there is very little that person can do after weeks of talking to them on the phone and searching for help. When someone like my father repeatedly forgets to pay the bill to the point their child is home alone when they come to cut off the supply, he ends up making one phone call and its all better, he even got the late fees dropped.
One can make all the right choices, work to the bone, and be poor. One can fuck everything up, ruin people's lives, and be well supported, wealthy, well loved members of their community. Poverty and wealth are part of wider systems, and the rhetoric of these programmes fuels the concept that poor people deserve to be poor, ignoring that many rich people make those same choices and come out mostly unscathed and that poverty and people's choices don't happen in a vacuum. It's all part of wider systems that these types of shows support and fuel.