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Where did I say it was luck?

I'm not saying You did - I'm pointing out though that most of us aren't all that different than any other polling of Americans - we face the same struggles, and some of us have been financially ignorant or give in to temptations, or constantly face medical crisis - the only difference is that people on the Fool obviously have an interest in financial education and a poll from a wider audience might not. And it's not like the person creating these polls was somehow trying to say the responses here should match another sample.
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