There's a causal relationship between the things you're calling "personally-avoidable" and the class wealth gap. People are emotionally predictive; if they don'

There's a causal relationship between the things you're calling "personally-avoidable" and the class wealth gap. People are emotionally predictive; if they don't see an ideal prosperous future outcome, they settle for prosperity where they can get it because it beats a lifetime of suffering, even if the end result is additional suffering.