I'm not well enough to form my thoughts as articulately as all you others but I wanted to chime in because I agree with the OP and many others and Zaurak's post resonated with me.
I share similar personal traits and circs to zaurak but I was hurt in an accident and now dont have the advantage of my higher than average intelligence and grammar school education as my brain is affected, although I am still stubborn but flexible, and that gives me resilience! But the effect of ill health for both of us, and subsequent housing issues means that we are falling down and down the rungs of the ladder. And there are structural/ practical issues with housing that just do not allow us to compensate/ work around for poor health. Also not good family relationships.
It doesnt matter how creative, persuasive, and persisitent with the effects on ability to work in jobs, I just cannot get us suitable, secure housing and we feel the loss of that security, both of us having moved nearly 20 times in as many years with periods of homelessness too and I personally have never had a safe, secure home.
To use an analogy; emotionally it is like surviving your ship sinking but spending all of your energy sturggling to get onto a life raft but then having no energy to paddle to shore and so you just drift slowly out to sea - alive but realising you are actually just slowly dying because, short of a miraculous rescue, you will never get to shore.
As well as the emotional toll this takes it is also practical; you just cant spend time and focus on progressing when you are dealing with something bigger issues. It is like being on a long car journey and dealing with constant punctures while others race past to their destination.
All around me I can see people who have had better and worse luck and circumstances, and better and worse traits and ways of dealing with situations.
Could there be an element of neurobiology in being able to see the big picture?
The older I get the more I am surprised at how few people are able to be truly balanced and rational in their thinking. Even educated people can be blind to truths or illogical in their interpretation. I think the answers are rarely one thing OR the other, but a complexity of all factors. Perhaps this is just too difficult and unsatisfying to many people - the internal/ external focus thign, I am not sure. Many people want the answers/ required actions to be simple and easy.
I understand how awful it is to lose your power and maybe this is part of it - no one wants to realsie just how close they are to being powerless and a nobody - if they realsie this what will this do to thier self image and view of society? How will they then have to change to cope with this? I've seen eduacted people deny and victim blame becasue they somply canot believe certain situations are real and not the fault of the person going through them but of society/ bureaucracy.
Anyway, I wish I could say what is in my head, and be coherent. I have studied and read in this area of discussion but just no longer have my proper thinking :( As you were!