You are way too zoomed in on the microscope. Zoom out a little and the concept makes more sense.
This topic hits me on a personal level because of how careful and strategic and difficult my life choices have been. Then to have people complain about their income, having made non of the hard choices I have, just gives me the red ****.
You can choose to drop out of High School to enjoy some meth, or, you can choose to get a degree in the medical field.
Those are extreme examples, but you get the point.
It is really a bunch of choices that when combined equal more money. Or, more broadly, a higher quality of life. Almost always, these choices require hard work. Lots of it. A natural deterrent to these choices I suppose. But it is an individuals choice to be deterred or not.
I made the choice to leave Wal-Mart and get into the I.T. industry. I did it for several reasons, money being one of them.
Yes, it was a choice. Yes is was a boat-load of work (6 years additional grueling education). Yes, I could still be at Wal-Mart if I had not made the choice(s).
Here, this is a really touchy subject. Let's talk about kids! Oh noes. One of the top financial handicaps out there. We waited to have kids until our careers were locked in and humming along. We also did not lollygag (more hard work) so as to not age-out of child bearing. Now we have two awesome kids, and are financial secure. Older parents, sure, but seems to be no issue so far.
My point being, kids too early is another poo-poor choice, if money is what you are after. Again, choices.
Yes, there are exceptions. Touchy subjects most of them. Mainly discrimination issues. Those are very real. But, usually these just make things more difficult and are not an eliminator. Again, there are even exceptions here. Mental & physical handicaps especially.