But they were also either dishonest on the job, or lazy and would not look for work, etc. They took their bad luck and made it worse.
You don't have to be rich to live the good life, as much as you have to use good judgement. My wife and I never earned the really big bucks until the last few working years, but we are living well now. There is no right to happiness, just the pursuit of it. If you don't pursue it, whose fault is it? If money is your prime determinant for happiness, then your life is shallow to start with.