There are at least two aspects of 'personal well being' to consider here. One is 'income', the other is 'fulfilling societies expectations'. Nobody want's to

There are at least two aspects of 'personal well being' to consider here. One is 'income', the other is 'fulfilling societies expectations'. Nobody want's to be seen as being unethical or not fulfilling their duty. By automatically explaining away their actions and taking a fatalistic viewpoint you give away one of these two pressures, and probably the greater of the two.