OK, but that's where we are going with the reasonable odds part of it.
I did mention it's not a 100% certainty that anyone can prevent having to take a crap job even with good planning, but how many of the people who are complaining about choosing a job they don't like are in that situation because they are in debt from health issues rather than in debt because they lived beyond their means and didn't plan well for the future.
My money would be on far more people picked a crap job so they could have more fun and have spending money over picked a crap job because they are in debt from health issues.
For instance, making 80K a year but living like you make 50K a year for awhile can allow you to get yourself into the position to be able to go long periods without work to allow you to find the job you really want over being forced to take something because you need money now.
For me I choose to operate like that because I would rather have a job that I love than live in a bigger house or have a nicer car etc.
If you choose to go for the big house and fancy car, but have to always be in work in order to pay for it all then I find it hard to have sympathy for you when you complain about having to take a crappy job because you need it and need money now.
I chose my path and it makes me happy, you choose your path and it makes you miserable, maybe you should rethink your choices. That's all I'm trying to get at in a general sense.