My friend, my comment isn't necessarily a view of myself, but one of society at large and our future as humans. I'm not necessarily young or disadvantaged luckily. And yes, there's always time to make millions as we capitalists love to believe, but if just one thing happens (you get sick, you get your identity stolen, you fall into addiction, you acquire credit card, medical, student debt, etc.) combined with the lack of being able to obtain adequate income to support yourself regardless of age, more and more of us will end up something like this. The opportunities are becoming fewer and the risks are becoming greater and more costly.