I don’t doubt you haven’t worked hard @Ramblomatic but your post is rather entitled.
no idea of your personal circumstances, but sometimes people end up having a tough financial time through no fault of their own. Sometimes it’s not as simple as ‘working hard’ - some people work 16 hour days on minimum wage.
If you’re in a well paid profession, there’s a 99.5% chance you’ve come from a financially comfortable background. It’s very easy to ‘work hard’ from a position of immense privilege
I say that as someone who had a comfortable, stable upbringing. I’m state educated, but consider myself hugely privileged as I had loving supportive parents who were financially comfortable.
I’m gobsmacked when I hear people I work with who went to top private schools who didn’t think they were privileged because their parents didn’t own huge swathes of country side.
it’s a well known tendency ( proven by psychologists) that people tend to over estimate their own contribution to their own good luck, and under estimate how much their privilege has contributed to their success.