I don’t understand this. Especially in light of you and I discussing this first world problem. Am I supposed to handcuff myself to the lowest common denominator? And if I have access to more resources, wouldn’t merit and ability drive the use of those resources to a successful or unsuccessful end?
I’d say mostly, if not all, luck. For every person you can show being successful with their $40K, I can show you 100 who pissed it away. So again, why exactly should someone be penalized for having access to resources?