Yes, it does to some extent. You're perfectly corect that some peole will fail because they didn't put enough work in, probalby as a result of not having sufficient discipline.

But as you point out, we are complex human beings, and it's not that simple. We are born with different levels of energy, and some of us have been traumatised, and for others, our brains can't compute that fast, and may others had sick or dying family mebers to look after.

There are so many different reasons why people are not able to earn a decent amount of money.

One of the really interesting things is looking at tribal villages. Nobody really fails. They all contribute to the whole. I somehow don't think that half the world fails because they don't work hard and aren't disciplined... I can't imagine half the world' population being lazy, etc.