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No, it's not insulting. It's insulting to ignore people that are struggling, homeless, and in poverty in our own country. This is a common deflection among many conservatives, I've noted. You can't stand the concept of criticism of our own country, so we go on to talking about the horrible conditions in Rwanda, or Haiti, or Thailand to show everyone just how great we've got it in this country, and how everyone should just shut up and be thankful for what we've got. The thing is, it's our job to think of ways to improve our own country, just as it is the responsibility of people in Thailand to think of ways to improve theirs. Suggesting ways that things could improve doesn't make you selfish or ungrateful or even unaware of the hardships of others--just optimistic.
Now now. If I'm not allowed to use the straw man of the Evil Rich(tm), you're not allowed to use the straw man of conservativism being mean-spirited and not caring about the poor. Nobody's saying things don't need to improve. We just differ on whether we think things aren't improving fast enough and government should force it by fiat via wealth redistribution or whether we think society, given the freedom to self-correct (with obvious caveats about exploitation that's already covered by laws), will improve all on its own.