He's right
First episode proved it
First episode he tried to scam the Kettlemans because he was broke from taking care of Chuck. It's not as if he was just out there scamming folks for fun.
As far as all those Reddit comments talking about "well, Chuck was right, look at how Saul eventually turns out"
The fukk? Jimmy turned into Saul
because of Chuck. Chuck altered his entire life by blocking him from getting a job at HHM back in the day. We can sit here and theorize that Jimmy might've turned into a dirt bag no matter what, but factually we can draw a direct line from Chuck blocking him, to where he currently is.
Hell, to take it a step further Chuck is indirectly responsible for a decent chunk of "Breaking Bad", too. No Saul = Badger snitches in season 2 and Walt and Jesse go to jail.
So as you can see, Chuck is the most evil character on either show.
Fred.