^ people should be like you, but I agree with the OP that most insecure people are not like this (not just people on here, but I've met a lot of insecure people in real life that talk like that). That's just what being insecure means.
I find it strange though that the ones that seem really smart too don't realize what they're doing.
I think it's not cool to say somebody else doesn't deserve a good thing that they've got. I covet, but I am at least aware every time I have these thoughts, and I sure as hell don't convince myself that they don't deserve them, or "Yeah they are really smart and funny and cool, but.... they're ugly?!?"
I also agree that we only do this to avoid coming to terms with the fact that there are serious things wrong with us (I mean, we already know it, but we don't always want to remind ourselves of this). That makes sense. But as you say, going the other way and just feeling bad about ourselves every time we see someone better off than us is not helpful. We deserve things as long as we're willing to put in a reasonable effort.
I think most people here secretly believe that they are not all that bad, and that they're actually a little gem if only they could show it off somehow. You don't need to prove it to yourself or somebody else, just hold on to that secret belief and don't make it so secret!