Bottom line, don't be an employee, and if you are, that's a choice and it has consequences. Everything has risks/returns/pos/neg. I just don't have time to worry about it...only time to do the next big one and bring as many with as possible.
Your can be an employee to learn and then do what you want. You can stay an employee and be smart about how you build your wealth. You have to sacrifice early to reap reward later, it's just how life is and it doesn't require a whole lot of money to get started. $50 a month saved every month starting as early as you can does wonders, especially in a decent stock fund. It's the compounded earnings that will create your wealth. You are correct that everyone has choices and there is a risk/reward scenario to everything you do. Not everyone starts out in the same postion at the starting gate. It's true others are disadvantaged and they have to work harder. It may not be fair, but nothing is out of ones reach if they devise a plan and work hard. The biggest failure of American education is that they don't start teaching kids in elementary school about money and how to put it to work for ROI. Money can work on it's own to create wealth. At first, it takes a few years, but at a certain level that compounding takes off and the results are amazing.