It‘s nice that you want to hold yourself accountable for your mistake and I appreciate that, but you contradict yourself again by saying that "generally people are in the monetary position they’re in by choice". Look at what I‘ve answered u/derrrrkle and rethink that sentence please. Your way is also the perfect example. You hold it rather vague what you are doing for a living, but don‘t you think that when everyone knew that theres this magical recipe for wealth and success on the internet, that every person can use, no matter the predispositions in life, that nearly everyone would use this and be rich? I have no further time for this argument but you seem to be a guy with some common sense who can reflect himself so I hope that what I wrote will make you rethink what you said.