From a comment on Dalrymple's (Anthony Daniels, MD) 2001 Life at the Bottom:
The true villains are the intellectuals who proposed a loosening of social mores, launched a parade of excuses for a long list of destructive behaviors, denied agency (and therefore full humanity) to the West’s euphemistically-named “poor”, built bureaucracies that reward the most irresponsible citizens with the greatest largesse, and otherwise indicted faceless society for the failures of individuals. Daniels uncovers the foolishness with elegance and wit.
Everybody knows what ingredients can result in unfortunate lives regardless of money: bad luck, bad genes, low IQ (half of the population is below average), addiction, maladaptive, annoying, (or intolerable, eg sociopathic or impulsive) character traits, poor judgement, unappealing appearance, mental illness, poor social awareness, low-functioning parents, poor child-rearing and lack of a father, etc. etc.
As we reiterate here, a stable bourgeois life is tough enough for most, even if lacking in those obstacles. Everybody is insufficient, and everybody stumbles. I know people with beautiful fulfilling lives, but have never known anybody who has not endured grievous troubles or terrible years. Peterson keeps saying "Life is suffering." No, but it has its share of it. You can count on that. Tragedy is unavoidable.