There seems to be a considerable effort here to demean the importance of cause and effect when it comes to individual actions and individual outcomes in life. In other words, to objectify man. Kind of a self fulfilling prophecy isn't it? No, I reject the idea that the poor are powerless to improve their condition, as many tycoons began life poor. What happened there? Is Too Big To Fail the wizard behind the curtain that explains the entire history of free enterprise? Or is it just another excuse used to explain disparity?