Isn’t it pretty obvious that it’s possible to be a victim of more than specific financial circumstances or poor health?

The inheritance we (don’t) get is not just monetary, it is attitude, culture, expectations, education, network, class privilege, race privilege, and a host of other things that make it difficult to act “rationally”, or which change the parameters of what is rational for each individual.

Lack of money never helps, but it’s rarely the only problem.