Of course, the parent could have also been very responsible. Maybe they were married with a nice income. Fast forward 10 years and their spouse has died or we

Of course, the parent could have also been very responsible. Maybe they were married with a nice income. Fast forward 10 years and their spouse has died or went to prison and they lost their nice job and now have to work multiple lower paying jobs. There are a multitude of circumstances that could put you in a position that you didn't foresee.