How do people in bad environments balance their chakras+incarnation process?

[Stranger]

The environment provides catalyst, i.e., stimulus. It does not determine whether one's chakras are balanced or not, because that is a function of how one responds to the catalyst. Balance in the first chakra depends in part on your attitude toward physical existence, rather than the circumstances of that existence.

Suicidality, not wanting to be here would create a blockage. Being poor in itself would not.

Environments, of course, can provide such strong catalyst that it would take nearly superhuman skills to "stay afloat" mentally and emotionally.
The main point I'm making is that the relationship between circumstances/catalyst and one's state of being is not as direct or deterministic as we think.

Here is an example told by the Dalai Lama:
"One Tibetan monk... who had spent more than 18 years in a Chinese prison labour camp... told me that on a few occasions he really faced some danger. So I asked him, 'What danger? What kind of danger?', thinking he would tell me of Chinese torture and prison. He replied, 'Many times I was in danger of losing compassion for the Chinese.'"

A major aspect of spiritual evolution in 3D consists of transcending the instinctive, knee-jerk responses of 2D animals ("you attack me, I attack you") in favor of the unconditional love of 4D, *choosing* to release the anger and keep one's heart open, to both oneself and the other, even when one's animal nature wants to destroy the enemy.

To sum it up - if we are in the habit of going along with our default, 2D reactions to catalyst, then catalyst can definitely create blockages in us. However, there is a choice there, and it is possible to use catalyst instead as an opportunity to transcend and heal.