> Putting aside that the circumstances of your birth are already a huge matter of luck
This is another one of those points that sounds superficially plausible on the surface but makes little sense once you think it through. The circumstances of my birth weren't a matter of luck. My (married) parents decided to have 4 children of which I was one. Before doing this they both finished high school, and stayed away from drugs. They also tried to live healthily etc (but certainly weren't monks). They weren't going to have sex and then a child might pop into existence in Uganda. The only way the whole "your birth was luck" thing makes any sense is if you perceive yourself to be an atomised individual with no deeper ties to the family you came from or the choices that were made by your ancestors who preceded you.
Like I said, people are EXTREMELY comfortable with the handwaving of "it's all luck anyway". They won't even take responsibility for themselves and their own lives, so asking them to also feel responsibility to their children/grandchildren/descendants is even more of a foreign concept.
As for "I'm not looking down on my underemployed peers as inferior beings for their struggles" those are your words, not mine. I certainly don't look down on my struggling friends/family either, but I am also not going to withhold judging them based on the actions they take. Because very often they also KNOW they shouldn't be doing what they are doing, but choose to do it anyway.
Weakness corrupts as much as power, and it is wise not to forget that.