Like you said, luck is what allowed me to actually get to the age where I could get out of a bad situation. The arrogance of anyone to suggest that everyone in the ghetto is there because of their own desire or bad decisions is ridiculous.
It is utterly ridiculous to think any individual wants to live in what we term a ghetto. This is why in usage the very term "ghetto" has taken on a connotation of somewhere no one wants to live. Sometimes luck alone gets a person out of a bad situation (think: hitting a mega-lottery jackpot). But most of the time working hard and working smart is what gets it done, though even in this case being at the right place at the right time can make a big difference.
I have lots of interaction with individuals who live in desperately poor neighborhoods. It's common to find lots of very bad decisions being made, like spending money at nightclubs, lots of fast food and lottery tickets when the family/individual does not have the money to afford these things. This is where I come from, and it's where I go to help. I also see lots and lots of bad parenting. I see children taught to stand up for rights at the wrong time (and, yes, from a parent's perspective there are wrong times for children to stand up for rights that belong to them). I could go on and on.
And then we have videos like the McKinney pool party video. And what do we do? We stomp on perceived misbehavior on the part of a law enforcement officer and neglect the utter stupidity and disregard for authority that is staring us right in the face on the part of some of those teenagers and thereby send a signal to those teenagers that the behavior is justifiable. This does not help our children; it cripples them!