"Only govt policies can force a life of destitution."
This is just straight up not true. What do you think being terminated or laid off from a company is? Government can also implement policies that alleviate destitution. Hey let's do that.
"Imagine a govt policy that increased your tax refund based on how much debt you paid off in a year?"
What does this have to do with anything? I believe this is already the case with some kinds of debt (at least in Canada)
"In capitalism, only a lack of skill or Will keeps you destitute, even if it is not free market capitalism."
I'll be sure to tell this to every mentally ill drug addict homeless person I see that poverty cycles don't exist and that they have only themselves to blame for their poverty and misery.
"Yeah the analogy was good, if you are a bad player you get fired and you will be destitute."
Yeah it was so good that you had to change it. Yes I did notice that.
Facts: You're a fucking idiot that individualizes societal problems.