Starting conditions (where one was born, levels of wealth and opportunity there, one's parents' education and jobs) are shockingly predictive about an individual's future. Hard work leading to social mobility has always been the exception, not the rule. Most will not beat the odds since if they did, those wouldn't BE the odds. A lot of us are just so deluded by survivorship bias borne of listening only to success sto…
I think the real reason people struggle is because they just don't know how to take advantage of the opportunity available. It used to be easy - get some basic knowledge and find a hard working 9-5. Now that isn't the best path and while there is a lot more opportunity it is more open ended and one needs to find their own way.