Yes, the problems of those with lower income are more immediate and I think it is grossly unfair to blame their predicament on their character or inherent talen

Yes, the problems of those with lower income are more immediate and I think it is grossly unfair to blame their predicament on their character or inherent talents. I disagree that lost income is purely psychological. There are biological realities to deal with, especially in the US without the social safety net of other countries, that make lost income important. The first two that come to mind are the significant cost of raising children and retirement. Those are ticking clock issues to many people. I agree they are two different worlds for low and middle income people. But we could play this game with even lower income people elsewhere in the world and reduce the issues of the developed countries poor.