Fully agreed. At an individual level, there are often decisions you can make regarding career choices, saving, when to have children, etc. that can greatly impa

Fully agreed. At an individual level, there are often decisions you can make regarding career choices, saving, when to have children, etc. that can greatly impact your financial situation down the line. At a societal level, not every single person can be a software engineer, UI designer, realtor, etc. And additionally some fraction of people simply will make mistakes or not-strictly-optimal decisions. It’s a balancing act recognizing that individual decisions can have an impact on outcomes, that some portion of people will still suffer anyway, and alleviating that suffering as much as possible without creating a cycle of dependence/socializing the costs of easily fixed issues.