I think the mentality is shifting a little as millenials and gen z are slowly letting go of the meritocratic myth, but blaming internal motivations more than context is a problem in the American conception of the world we still suffer from as a nation. The inability of us to accept that our actions are not the only determining things in our lives seriously limit our ability to fully comprehend the world and how it really works which leads us to thinking ideas like work requirements are actually sane rather than completely counterproductive.
Also don't overlook that America is also supposed to be a country of redemption and second chances, and that we as a society derive strength from that. We foster risk-taking, and we don't throw away people who seriously screw up - but rather capitalize on the fact that those who have overcome serious mistakes often become formidable humans. This is one of the bright spots of American culture, lets not throw it away for the cheap thrill of standing in self-righteous judgment.
To many people having a family is the #1 thing you know, the 'economics' are in support of that.