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There are far too many examples of people who were born with nothing (actually all of us are born with nothing, but that's another topic), have no advantages, yet they end up at the top of the world.

I'm pretty sure there are multiple causes involved here besides choices. For one, there's dumb luck. For another, there's cheating. People who are willing to cheat in a "safe" way can make out extremely well (cf Joe Kennedy who made (part of) his fortune via stock manipulation and possibly bootlegging).

Then there are those born with a "silver spoon" who end up on skid row.

Again there are other possible causes for this such as dumb luck, unknowable information, inability to act on information, disasters, and crime.
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