Bad luck could be reading a want ad for a delivery driver job because you were shoveling rocks late the day the ad ran in the paper in an attempt to make a few more dollars. Bad luck could be not getting the job when it was a toss up between you and another applicant that was equally qualified for the job. Bad luck could be the idea that there are just so many jobs to be had and it's not always a case of room for one more at the next level. You can say that there is no such thing as bad luck if you like, but there are things that are beyond our control that impact our lives in a negative manner.

Another thought is the idea that our society desires that a large segment of the population be paid low wages if not directly, by our spending habits. We want cheaper so we can have more, and that impacts the number of decent well paying jobs that can be had. This idea, mixed with the fact that business is always driven by more profit for the same amount, if not less, expenditure works against the capability of everyone being able to rise socioeconomically.

Regarding the idea that we aren't teaching solid morals to the next generation, and that is causing poverty, it could well be part of the problem not only at the bottom, but at the top as well, passed on by unethical business practices that ensure a lower class.