You can go through life with a chip on your shoudler if you want, but the only way to improve your living situation is to either work hard or take risks.
Sadly that really isn't true. Never has been. Never will be.
It's purely a way for the wealthy to justify themselves, a simultaneous pat on the back and a way of turning their back on the poor. "Oh they didn't work hard enough, not like me, I worked hard, I took risks". Truth is some minimum-wage drone in an Amazon warehouse works harder than Jeff Bezos ever did. Same with care home staff. And so on and so forth.
As for "taking risks", that too is a way of rich people patting themselves on the back. Look at the likes of Kirstie Allsopp, who claims she got where she is by "taking risks"; truth is she's the daughter of an Eton-educated Baron and only got where she was due to his patronage.
Elon Musk's the son of a South African emerald mine owner. Jeff Bezos' grandfather was a big player in the US atomic industry. Richard Branson's father was a noted barrister and his grandfather was a senior High Court judge and Privy Councillor. Bill Gates comes from a long line of successful bankers.
It's easy to "take risks" and "work hard" when your family is minted.
Sadly pointing all this out is too often labelled as "jealousy".
I also think this explains the rise of mental health problems in younger people. The truth is you can't be who you want to be if you try hard enough, hard work and risk-taking isn't the solution, most people will achieve comfortable nediocrity as a absolute best. Sadly we're not taught this, we're taught that people like Elon Musk- who came from a fabulously wealthy family- are "self made".