I disagree.

I do understand where you're coming from though, you're opinion is very common. When you've worked your whole life to be comfortable and you want to understand why some people are living in comparitive poverty, it's nice to just think about how lazy and feckless they are and how hard working and diligent you are.

I'm not saying that your opinion is even entirely untrue (although I do think it's mostly untrue), but I am saying that good chance has an awful lot more to do with it than most people consider.

You could be the most hard working person in history, be born in Africa and die of dysentery at age five. Likewise, I myself am doing OK as an electrician, but the only reason for that is that my dad was an electrician and he helped me get on to a path in to the career via an apprenticeship that I was very lucky to get. I have no idea what I'd be doing today if I hadn't gone down that career path by pure chance.