Thanks for your concern. You are correct about the latter, but nothing else. You still have no reality of experience to confirm your rationalizations, which are merely inaccurate extrapolations from only two points that entirely miss the realities of God’s holiness, righteousness and justice.
Such an extrapolation is extremely convenient, because there is no necessity of confession of sin, let alone recognition of it in humility before God. Like a Pharisee, you are deflecting and condemning (Maggie, even!) ‘rich Americans’ and externals like family, privilege and environment (of course they are factors!) but completely neglect the true source of evil, namely the heart (all hearts, including yours and mine), as Jesus also says.
Oh, yeah, about that heart. It’s been written on, knowing good from evil, and it has been witnessed to by the cosmos. And about justice, God is just (that means fair), you who belittle who God is in his providence.