"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.
I'll be the first to say, "Thanks communism for all the positives things you brought to us", at communism's funeral where we put it in the cremation oven and prepare to sadly spread it's ashes over the sands of history.