I am in much agreement. I don't think it's black and white enough to be generalised. There's certainly a number of things that lead people to crime. It can come out of need, out of poverty, out of peer pressure, out of mental instability, it comes out of culture, it can come out of upbringing, it could come out of social injustice or social rebellion, it can come out of greed, it can come out of ignorance, it can come out of religion, it can come out of ideologies, it can come out of a whole range of human emotion, it can come out of desire and weak super-ego to hold it back. The list probably goes on.
But I am glad you have said those things Jst (without trying to sound patronising), when it comes to morality, with Christians I tend to find myself encountering on the web they try to bring it down to the simplest generalisation or try to make it as black and white as possible or try to religiousify it. For example, it could be related to lack of faith or be down to good vs evil and pass off people as 'good' or 'bad', 'faithful' or 'sinful' and seem to look more to the bible on how to judge people for the way they are rather than use their own observations. Some are more down to earth than that. And generally I find Jehovah's Witnesses to be out of touch from reality, but this shows otherwise.

I am glad I try not to generalise.

Which religion told you that?
Depends on how you look at it. God made us, therefore he programmed our brains, defined how they work and how everything connects together, like a programmer writing an AI, which would open up for an interesting discussion - if an AI kills somebody who is responsible? The AI or the person who programmed its intelligence?
Some argue that we were granted free will and it was Adam and Eve who condemned us through the temptation in the garden of Eden, but then again I would still argue than God programmed human nature.