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> So why assume that the only reason people in general would do morally wrong things is because they need to to feed their family?

I don't think anyone has ever made that claim, but people do tend to do what's easy/convenient and it's a lot easier and more convenient to put in 8 hours in a safe climate-controlled office where you get medical benefits and a salary you can depend on than it is to go out every night mugging people or trying to pick pockets, then trying to figure out how to sell your stolen goods, all without getting killed, robbed yourself, or caught by police.

Most people need to make money somehow and nobody is picking the most dangerous, risky, effort intensive means to make that money when they have other options readily available.

The harder it is for someone to make money doing anything other than commit crimes the more likely they will be to commit crime and for some people (those with few resources, and addictions and/or past criminal records for example) it can be very very hard to get and maintain legitimate employment.