No. I'm an American. I despise my medical system.
What if I told you that my friend was close to retirement? He's not, but let's assume for one moment that he is. This is just one example amongst a limitless supply that shows that people can be responsible with their money & still run across issues in life that prevent them from becoming wealthy. My friend actually does complain about having to pay the bill. He's also about as conservative as it gets. I'm happy to see that you agree with his actions because I think that most of us would make the same decision, regardless of the consequences. I'm simply trying to show an example of why your ideology isn't realistic. Let's pretend that he manages to save a lot of money again & his mother's cancer resurfaces. He'll once again have to foot the bill. Just because you're responsible doesn't mean that your family & friends are & while you could simply write them off as ridiculous, you'll probably still feel responsible for taking care of them when no one else will.
I'm sorry for your loss. I'm happy to see that under that ideology of selfishness, you actually do have a heart. Now imagine what would've happened to your father if he didn't have someone like you to take care of him. That's a reality for many people. It seems to me that your ideology prevents you from admitting that these types of circumstances exist. I can't comprehend this.
I don't see anything wrong with advocating that people try their hardest to be prepared for all of life's struggles. However, I simply don't think it's "right" to say to hell with everyone that failed at doing so. Some of these people tried & failed because maybe they're not quite as smart as you & others never gave it a chance but I think that we as a society should be helping to educate each-other on these issues (e.g. preparedness) & to be there to lend a hand until everyone is able to do so. We all know that life isn't "fair" but it'll never be close if we don't develop a system that makes an attempt at making it so. I don't think that your ideology has room for this. It's contrary to Murphy's Law ("if it can happen it will"). This is why people want protection, regulation & safeguards.
I would agree with those statements. However, if you can't say make those statements with "all people" instead of "most people" the point is moot. By saying "most people" you're admitting that not everyone has the "opportunity" to do these things & that's what we're trying to show you.
If you're referring to data from the Federal Reserve, I would advise you to take in to consideration that whether or not you became rich before, after or if you inherited money is insignificant if your family is wealthy & you had opportunities that others didn't. No one is denying that it's impossible to become wealthy. Many of us are simply saying that it's very unlikely given
the available statistics on class mobility, which Jon'C was alluding to earlier.