Not only that, but people really underestimate how locked into a difficult financial situation you can get. Yeah, you can just get a better job or just move wh

Not only that, but people really underestimate how locked into a difficult financial situation you can get. Yeah, you can just get a better job or just move where there are more opportunities, except you need time to make all of that happen; if you're working dogshit hours just to keep the lights on and you have a family to feed, finding the time to go to interviews or to figure out where to live may not be on the table, at least not immediately. Especially if one can't even afford the move itself. Those whom have reached financial escape velocity, or never had to reach it because of good fortune, often are biased towards believing that their current lifestyle is entirely the result of their own decisions and didn't involve luck. People should act with personal responsibility, but all the personal responsibility in the world won't make a winner in a losing situation. Anyone can do what Warren Buffet does, but Buffet doesn't risk starvation or having his children live on the street when things don't work out.