Just to throw in a thought on this.. I agree that "meant to have" and "deserve" are the wrong concepts here. But reality and practicality are what they are. I

Just to throw in a thought on this.. I agree that "meant to have" and "deserve" are the wrong concepts here. But reality and practicality are what they are. If I work hard and save my earnings, with the intention to buy something which we agree is a "valid" need/want (whatever that something is), and then lose the money through some circumstance that we we agree is "not my fault", that really sucks and I don't claim that it affects how much I "deserve" the thing (whatever deserve means), but the reality is that I now don't have the money to buy that thing. Am I going to now borrow money because "I worked hard and I deserve it"? Some would, others wouldn't.