Just a thought I had, like what can a ten year old do(besides mass murder & accidents) that messes up their life so badly that it is unrecoverable?
It has to be something that is self inflicted and not something that is the cause of others around them.
I think the changes of that happening are statistically neglible, though (comfortable maaaaybe if you’re really lucky but becoming rich is probably a one digit change, if that).
It takes work, and if people don’t want to put in the work then they will never get there.
It takes education, you can work your whole life at being a pro golfer, but if you never receive guidance, you will not reach your potential.
Being a pro golfer isn’t the only way to make money.