I have seen a few of these with similar story lines and realized we are living it right now. They have the best healthcare, the best food, the best everything and most of us are a few dollars from disaster. That scares some of us to death literally from all the stress it causes.
You’re right, with careful planning and hard work it’s possible to better your situation or those of your children. (Though it doesn’t always work) Even in our current system, statistically, some people will become billionaires. Do we think those billionaires lives are significantly better than if they were millionaires? If anything, judging by their behavior becoming ultra rich seems psychologically damaging.
On the other hand, we have millions of people who struggle to have enough food, to have a place to live, to get healthcare, to gain an education. Without a healthy environmental we face disaster that will cost many lives. I’d like to build a system where everyone has those modern rights. We need a systemic solution, personal effort is important but not sufficient.