Nowadays, particularly in the United States, if you meet someone at the bottom of society, they may unkindly be described as a "loser." There's a real difference between an unfortunate and a loser, and that shows 400 years of evolution in society and our belief in who is responsible for our lives. It's no longer the gods, it's us. We're in the driving seat.
The rule, or measuring rod, which the behaviorist puts in front of him always is: Can I describe this bit of behavior I see in terms of "stimulus and response"?