'The last thing anybody in that situation needs is a holier-than-thou attitude from some yahoo who thinks he's got everything figured out.'

I've been where most have not, I don't think I have that attitude and I didn't claim I have anything worked out. It's true, things happen to people, the idea would be not to make the same mistake twice ! but most are so clever about anything and everything you cannot tell them anything. I know lots of people complaining their butts of about their problems (in most cases they caused for themselves), but they sit in front of the electronic income reducer every night calling it 'family time' , will not do anything to improve themselves and the one time they work a bit overtime they expect a medal and residual income for life.

In my opinion, if you expect someone else to 'give you a job' yes you do think they owe you a living. If your brother has a lot of money and you're broke does it mean he must give you any ? Well, that's the attitude a lot of people have !

Statistics showed that less than one in a hundred will do something for themselves. The rest just prefer to stay in their comfort zone and float with the tide.