Yes Pickles I was going to say the same see its RIGHT THERE "hard work" "Good decisions" - they pretend that's what separates them from others. Like other people haven't worked hard, or like they haven't made any bad decisions. This isn't a meritocracy, no matter how much people want to think it is. For ever $1M income that exists hundreds (thousands?) of low incomes have to exist, for ever 100K income that exists, dozens of low incomes exist. Its a pyramid. If everyone "worked hard" and "made good decisions" you'd still have the exact same pyramid, the same number of low income earners, etc.
Is there SOME merit in the system? Do "good decisions" and "hard work" make a difference ? Partially / sometimes, absolutely. But its mostly just luck. Even the ability to be in a position to work hard / make good decisions is luck. Who / how we are born, what mentors / social environments we are born into, its all luck.