> Do they deserve it? No of course not. Nobody deserves bad fortune like this. Imagine two people that both earn $100k a year. Person A spends $50k and saves t

> Do they deserve it? No of course not. Nobody deserves bad fortune like this. Imagine two people that both earn $100k a year. Person A spends $50k and saves the rest. Person B, spends everything they possibly can. Person A is working toward a master's degree in their field investing an hour each evening toward it. Person B spends an hour each evening watching netflix. Then the pandemic hits. (or any other number of other things that are likely to result in job loss.) Both lose their jobs. Person A has savings to get by and ramps up finishing their master's degree. Person B is broke and facing eviction. Does B deserve to be in a worse situation than A? Well, yes, but by "deserve" I don't mean that I would wish anything ill on them, but A was willing to forgo spending in order to have more security in the future. It is kind of like asking if someone who buys 20k mile tires "deserves" to have them wear out at 20k miles when someone that spent significantly more on 90k mile tires has their's last much longer. It was just a matter of investing in different things with different consequences. Both buying the 20k tires and the 90k tires could be very rational depending on what the person was optimizing for.