Anecdotes aside, poverty is the single most contributing factor...
I would assert that poverty is the catalyst. Morals are the surface on which that catalyst acts.
Good people living in poverty do good things. Bad people living in poverty do bad things.
Anyway, not meaning to hi-jack your thread. Carry on.
Still happily answering to the call-sign Peetza.
The problem, as you so eloquently put it, is choice.
He is no fool who gives what he can not keep to gain what he can not lose.
-Jim Eliott, paraphrasing Philip Henry.