In response to:
Sorry this is a very poor analogy. A better analogy is same base risk, but you voluntarily sign up to assist this other human of your own free will knowing ahead of time that if you choose to pull out after you volunteer to sign on the other human will be picked in toxic chemicals or torn limb from limb with no anesthesia or other recourse.
Sorry for the run on.
1) Working hard, being self-reliant and taking responsibility for your own life are good for you and will make you much happier than having too much leisure time, being overly dependent and giving others responsibility for your life.
2) The more a behavior is rewarded with attention, fame, sympathy or money, the more of it we'll see. We recognize this almost instinctively when it comes to good behaviors, but we also tend to almost habitually block it out when it comes to behaviors we don't want to encourage.
3) There's nothing shameful about being poor -- but, if you stay...
Now quick. What's the ethical response?