This is pointless drivel. As someone who's met thousands of people writing credit, I can tell you this. All of your points are wrong. Not only do they know, they can tell you what they failed at and overcame. What they still worry about despite their success and a general defensive financial posture to take risks. Suggesting it's luck devalues the planning and decision making of the individual and ignores the fact that those of failed likely didn't have the problem solving skills to overcome. Your outlook is entitled. Which is what everyone who thinks wealth is handed to those who are "Lucky" the reality is wealth comes to those who work hard and focus on the right things.
This is pointless drivel. As someone who's met thousands of people writing credit, I can tell you this. All of your points are wrong. Not only do they know, they can tell you what they failed at and overcame. What they still worry about despite their success and a general defensive financial posture to take risks. Suggesting it's luck devalues the planning and decision making of the individual and ignores the fact that those of failed likely didn't have the problem solving skills to overcome. Your outlook is entitled. Which is what everyone who thinks wealth is handed to those who are "Lucky" the reality is wealth comes to those who work hard and focus on the right things.