If you work hard, you get rich. Ahh, the good old american dream. The hardest working people in any economy, are the workers, yet in capitalism, workers have the least amount of wealth. If you have a low paying job, and you work as hard as humanly possible, and you're the best damn worker there ever was at your low paying job, you're still going to have a low paying job in capitalism. When someone uses this line on you, you should ask them if they are rich, when they say no, ask them if they work hard, when they say yes, point out you've just used themselves as an example of a contradiction in the logic of this myth.
People choose to be poor.
If anyone honestly believes someone would choose to sleep on the street everything in the middle of the winter they probably need to have a psychiatric assesment. No person would purposely choose to make their lives hell, being poor is not a choice, it's a necessary aspect of capitalism. The working class is lazy. Since the working class aren't rich, it logically holds they must be lazy according to the first line of capitalist logic. Tell this to the person who works two jobs just to make ends meet.