I see a lot of comments like "to stop getting harassed by police, don't commit crimes" or "if you're struggling to pay the bills, just get a better job."
Why do you believe that bad things only happen to bad people?
Have you ever had any misfortune in your life wasn't your fault?
I think the question you are asking is why conservatives are heartless unempathetic assholes. I think the fact is they only look that way to liberals. I think what is going on is that they have a number of moral concerns that liberals don't have, like the virtue of an ordered, respectful to authority, group cohesive society, etc, all traits that have survival value in human evolution. They are concerned about injustice and inequality, but not to the extent that liberals are, and not when it conflicts with their other moral beliefs. In short, conservatives have a larger moral palate than liberals do and can actually understand how liberals see morality better than liberals understand them.
But while these moral qualities have survival value, they become dangerous when the dangers they are fit to address aren't present in modern life. We need to evolve, for example, more compassion for other people because we are one big human race and no longer can survive successfully as a bunch of warring savage tribes. Liberals are better at not allowing fear of the other to fuck up their thinking. But trust in your fellow man can be dangerous and a gut reaction to the other who is odd, not part of and accepted by the group, always carries risk and conservatives react faster to such threat than liberals can. They (liberals) have to think about it.
Conservative inculcate this fear into their children to protect them from danger but it makes them what liberals would call insensitive pricks. But that makes them very valuable at your back in the trenches. We know, from looking at Republicans and Tea Party people, that they have an endless tendency to splinter and cut each other's throats. Liberals are better equipped to see how stupid that is.