I am "half-way" privileged, for my country standards (Brazil), I am part of a tiny elite, having college education, a sister that went to do masters on MIT, mon

I am "half-way" privileged, for my country standards (Brazil), I am part of a tiny elite, having college education, a sister that went to do masters on MIT, money to buy a computer that for brazillian standards is very high end (even if I had to buy the chassis from a junkyard). Also knowing english is a rarity, coding, even less, both, even more uncommon (when I worked in a company that had 50 coders, only 5 knew english!) I did things, that I know that more talented people never would, for example moving "out of the blue" to another city to attempt to create an startup, or build an arcade machine and code it with money out of my pocket so I could later use this to get a job (it worked, I did got a job with that). This was because I knew, that if I failed, (and I actually did failed...) I had a place to return to, my parents home is not awesome, but I know I won't starve there, even if I had several weeks eating only mandioca that grows in our yard (the root that people use to make what is called in US "tapioca"), the fact I DO have a yard to grow food is already a rarity (in urban areas) in first place. Yet, frequently people ask me: "Why you don't move?" or "why you don't attempt a job in Canada/Japan/Singapore?" or "Why you don't go for a masters/doctor/phd?" The answer is always the same: my net worth is negative, although I won't starve, I can't risk more, having a boring job, even if just a cashier job or something like that, that pay my debts, is better than risking more debt, because here in Brazil personal bankruptcy doesn't exist, and compound debt is common, getting more debt can mean getting eternally in debt, and I want to avoid that fate, I have "richer" family members that fell to it, and their lives are absolutely screwed up (for example: I have uncles that own huge farms, yet spend most of their time hiding in distant cities, and placing their money in "strangers" bank accounts to avoid it being immediately seized, I have farmer uncle that struggle to eat because every time he has money, someone seizes it before he can buy food, and his farm is "frozen" by the government that wants it as tax payment, with taxes worth more than the farm itself)