Snow White while I agree with your first 3 paragraphs. Your last one is very blinkered.
Life really isn't as simple as that and often people have little choice in their situations.
People who are disabled for example, or who are caring for a disabled child or partner. Women and children who have fled domestic abuse. Young men and women who have left abusive home lives. I could give many more examples.
Not everyone chooses their situation, and often those that do have made poor choices in life after a very, very poor start in life.
If you've grown up in a household where your dad abuses your mum, your parents don't work and are alcoholics, they kept you awake all night rowing and having parties so you struggled at school. Well you're not going to be in good stead for your future job prospects and relationships are you?
That type of life is the harsh reality for many kids in this country.