I disagree that this was "put well". > An example: If a person is blessed enough to be in a position to have paid off their loans, ... This is the perfect kin

I disagree that this was "put well". > An example: If a person is blessed enough to be in a position to have paid off their loans, ... This is the perfect kind of framing for her argument. Someone who paid off their loans didn't work hard, they didn't make a coherent plan and execute it, they didn't sacrifice, they were just "blessed". A benevolent god smiled upon them and their debt disappeared!