[Principled]

I suppose you believe that I was born into wealth which allowed me to obtain an education without effort or working.

Why would you think that? I have no idea about any of that. However, it is easy to see that you rely on textbook analyses to the exclusion of real world cases. Just like an academic does.

[justshutupandtakeit]

There is no "exclusion" of real world cases by me. You, otoh, believe your "real world" experience is definitive.