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.
Quite frankly, the idea that it’s likely that you can get rich through your own work/intellect/ingenuity is more and more false. Social mobility is not at all on the up and up.
You can also easily fuck up your life by failing at the attempt to become rich, or by ordering your life around that attempt. See crypto bros etc.