These threads are always so binary in their world view. Everything is either striking it lucky and being a multimillionaire by the time a person is twenty-five

These threads are always so binary in their world view. Everything is either striking it lucky and being a multimillionaire by the time a person is twenty-five or they missed out on luck and they're permanently homeless and drug addicted. Like work ethic has nothing to do with it. They completely ignore that fact that there is a set of life choices that limits the downside, slowly builds the upside, and allows a person to create opportunities.