People extrapolating from their own experience is how we end up with a lot of misinformation.

No, we are not all "creators of our own circumstances." However, there are a lot of privileged people who give themselves a lot of credit for their luck.

Many of us NEVER had job safety for a long period, so stop assuming. Many of us have worked our asses off all our lives and done everything "right" and still live on the edge.

A lot of injustice gets ignored under the assumption that people who aren't doing well must have caused their own problems.