I am one of those people who certainly missed the boat due to my own missteps, mistakes, lack of motivation
But let's talk about those who don't/didn't have the favourable circumstances and opportunities I had/have
Is not being able to afford / be-accepted-for a life changing college degree that person's fault 50% of the time ? is it their parents' fault ? is it the grandparents' fault that the parents weren't better off ? if so ... where does this blame game stop ? at some point govt/society needs to step in and give you a boost regardless of your background
debatably, inheritance & land ownership are well executed systemic conspiracies
mistakes, missteps, lack of motivation, are all fine - but "lack of ability" ? you're arguing against yourself there - if there is such a thing as lack of ability - that's certainly a terrible reason to disqualify a person from having their basic needs met