[tortoise]

Frankly, I'm tired of trying to explain things to people who refuse to believe there is something called Bad Luck, I'm glad their lives have been so charmed, I hope they continue to be because their lack of compassion will hit them in the face HARD should things turn for them.

I've had plenty of bad luck and pretty hard life by American standards. The difference is that a sacrificed a lot, worked very hard, and did not whine or quit when hit with serious setbacks. I also recognize that I could have done a hell of a lot more to deal with and prepare for all that bad luck when it happened.

People attribute FAR TOO MUCH to "bad luck" when it comes to their current situation. A lifetime of unwise and short-sighted choices is the weakness that allows bad luck to fester. Everyone has bad luck, but some people have actually been diligent in preparing for it; it is like all those people that don't want to buy flood insurance and pretend like their financial situation was beyond their control when a flood destroys their house. Some people really do get the short end of the stick, but the VAST majority of hard luck cases are largely the result of people being cheap/lazy/stupid. Just because people do not want to make hard choices does not mean that they do not have a choice.

[Blackirish]

I think your wrong. I know people that worked hard, played by the rules and were blindsided. Usually people who get hit hard are hit more then once. Just as they are getting back on their feet comes the left and down they go.

I know other people worked pretty hard and everything just worked out....call it good luck...bad luck...

Or maybe God has something to do with it, he seems to test some people harder then others.

[A. Pole]

but the VAST majority of hard luck cases are largely the result of people being cheap/lazy/stupid

How do you know?