I think this is generally true @kenmelendez @nordal but there are some exceptions. Children, the elderly and some of the people who are disabled come to mind.

It's important that we take responsibility for our own lives and determine our own future but let us not forget some of our fellow friends that fell through the cracks without making any grave mistakes.

P.S. I have an elderly aunt who is up to her neck in medical bills, is on oxygen and requires dialysis. There might still be some opportunities for her but I classify her as an exception.