That's obviously a completely irrelevant, and shockingly callous statement. Don't you find it a little strange that the more disadvantaged someone in your society is, the more difficult and expensive everything becomes? Live in a poor neighbourhood, pay more in insurance. Suffer poor health, pay more in health insurance, if you can even get it. Wind up in jail, be unable to afford a telephone call to your family, who may very well be the only people you have left.
The whole thing is tilted, so that once you start falling, you tend to keep going, and there may be no way back. Whatever good fortune you have experienced in your lifetime, I'd wager much of it came from luck. Perhaps I'm wrong, perhaps you pulled yourself out of the gutter, perhaps you were born into poverty, suffered ill-health, wound up in jail through no real fault of your own, and still managed to survive, and eventually to overcome.
But that's pretty vanishingly unlikely. I certainly didn't. I was born with good health, a reasonable brains, into a comfortable situation. Education was both provided for free, and I was expected to undertake it. When I completed it, a job was easy to come by. I bumped into a wonderful girl by accident, and how I have a beautiful family, and a good and happy life. All of that, all of it, was nothing better than luck. That luck could change any day. I am not so conceited and blind to imagine otherwise.