That's the safety net that lets someone try again and again without having to fear things like bankruptcy and homelessness. Still might need a bit of luck to make a career, but the deck is stacked in that persons favor.

Yup. That was more or less my response when this sort of bs was handed down to me in my teens. In short, "luck" doesn't matter if you're not able to act on it. Sure, being prepared is necessary, of course, but being able to access, much less afford said benefit(s) is absolutely essential —to the point of nullifying said "luck" completely if you can't. "Meritocracy" my pasty ass. 🤬😓

That's what keeps the rich in power: the widespread assumption that they somehow deserve it —which only feeds the bottomless hunger to "attain" similar for oneself. 🤢🤕