>These are all life choices. I think the point is that some of these are not life choices for some people. A wealthy student may have the choice to work or not

>These are all life choices. I think the point is that some of these are not life choices for some people. A wealthy student may have the choice to work or not, while a low-income student may not. If we value meritocracy, we also need to value opportunity. This means not creating a system that is arbitrarily that erodes that opportunity. The top whatever-percent of a society will always find a way to succeed, but I tend to think we want a society that doesn't make it very hard for a large swath to make a middle-class living. Even then, I'm not sure creating a society that forces the masses to "hustle hard core" to manage a middle-class life is a good tack. I tend to agree with you on some aspects though. There's a mindset and life choices that impact the outcome. I generally say there is a path to middle-class for anyone if you 1) avoid substance abuse, 2) avoid having children before financially ready, and 3) avoid large amounts of debt on depreciating assets. Unfortunately, we've created a system that breaks rule #3 for a lot of people. Some would also argue #2 is getting harder, given the amount training required to become financially stable in a modern economy.