"I did it all by myself!" The entirety of human accomplishment is piggyback.

You cant really explain human behavior by saying that individuals made choices. It just isnt an adequate way to explain how someone ends up rich or poor. This can quickly turn into an argument about free will, but lets not. What are the common factors among those who end up poor and wretched? Well, their parents are poor. They went to poor schools. They received poor medical care. They had poor nutrition. There is no mystery ghost force called free will that inhabits a young child and leads him to the same miserable life as his parents. Its cause and effect. Being poor removes a vast number of opportunities. Essentially, you have fewer viable choices to make.