Blah blah blah clipped.
Yes, some people make it out of bad situations. That doesn’t mean everyone can.
Doesn’t mean everyone can’t either. Losers make excuses, winners make it happen. We can all tell stories all day about the privileged kid who spends their time in rehab, and about that dirt poor kid from the rough side of town who is a community or business leader.
I don’t see the benefit of claiming luck, either good or bad had the first fucking thing to do with where someone sits today. What matters to me is what are you going to do with this day and the ones after it. Nereo's grandparents said “what we are going to do is work to get our families in a better situation. Starting right now.” They created the luck for their families. They created that privilege. Everyone should assess their situation and take appropriate action to create their own luck. We try to guide folks on this board to do must that. This thread is trying to help people see that some types of debt is OK when used properly. We (you specifically provide lots of great comments) try to work with people within their means to reach their goals.
There's a ton of value in understanding other people's situations.
For example, do you vote? Likely your vote in some way is related to this entire question.
People's experiences and backgrounds also determine how likely they are to be able to take action based on their luck. Or how powerful their luck making machine is.
You are rather writing off the aspect of luck, or if you like privilege, as it applies to people. Yes, people should consider their actions they do to create more luck. But not understanding and recognizing the underlying factors results in a bias.
Basically, if you can't understand this, your thought process will be totally based on survivorship bias. "Oh, well Nereo's family pulled themselves up by their bootstraps. Not sure why everyone just doesn't do it, if they don't must be their fault."
Yes, it's their "fault" if they do not pull themselves up by their bootstraps and just decide "you know what I want to win today." But that fault is a combination of circumstances as well as their actions. Ignoring either is problematic.
It's kind of like being 6'8 in high school wanting to play basketball professionally. Are you guaranteed to be awesome at it? Does being above average height mean you're going pro NBA? Of course not. You only get to do that if you actually play. But are you more likely to be good at basketball if you are above average height? Is it easier for you to pursue basketball professionally than someone who is 5'2? Yes, of course.