A bit of both.
The story illustrates how sometimes it is structural. But this does not fully cancel out the part that is not. Poverty is a structural thing, but it can be minimized by individuals.
We must learn to balance compassion and responsibility, economic development with economic prosperity. Not an easy task.

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"Man lives in the sunlit world of that which he believes to be reality. But unseen by most is an underworld, a place that is just as real... but not as brightly lit... A DARK SIDE!"
-opening from Tales From the Darkside