They don't realize they simply get to be at the right place and right time

Do you realize this? The effects of living in different places are very different. For the purposes of this comment, I'll assume you're intelligent and competent. To have misfortune after misfortune, you have to be doing specific behaviors on a regular basis to have that level of consistency.

As for your questions in the last paragraph, maybe God is trying to dislodge you from the position where all your results are shit? I'm not just talking about your physical position. Your mental attitude and beliefs largely determine the results you obtain.

Does he hate poor people?

God probably isn't thrilled with people who continually choose to fail.