True

It is forbidden to abuse the system that was invented to abuse you.

The purpose of a system is what it does.
https://en.wikipedia.org/wiki/The_purpose_of_a_system_is_what_it_does
- It is widely used by systems theorists, and is generally invoked to counter the notion that the purpose of a system can be read from the intentions of those who design, operate or promote it. When a system's side effects or unintended consequences reveal that its behaviour is poorly understood, then the POSIWID perspective can balance political understandings of system behaviour with a more straightforwardly descriptive view.
  Reminds me of that one nerd's online signature: "A program will never do what you want, only what was implemented"

Basic income for poor people: lazy people want a handout

Government backed interest account for rich people: perfectly reasonable.

when a rich person does it: "they're smart and also who wouldn't take advantage of it if you were in their position?" ... when a poor person does it: "they're lazy and just want things for free"

Its "different"

Worse: when rich people do it it's considered a feature, not a bug of the system.

Rich people don't abuse the system, they use it as intended (the system has been meticulously engineered to ferry wealth from the neediest mouths to the greediest ones)

We as a collective just hate the poor.

OP is right in that it's hypocritical, but people don't care and never will. (Unless you're Finnish, where homelessness has been solved.)

Homelessness can't ever be truly solved without forcibly institutionalizing a portion of the population.
But solving it for economic hardship is totally doable.
- Homelessness can’t ever be truly solved
  Absolutely it can, and has been.
  That some people choose a nomadic lifestyle doesn't change that.