I don't disagree with you, but I'd encourage you to try to be a little more empathetic in thinking about how "individuals make decisions...that determine the courses of their futures."
Sometimes their decision set is unfavorable. Other times things happen that are beyond their control. Yet more people just make bad decisions.
Sometimes their decision set is unfavorable. Other times things happen that are beyond their control. Yet more people just make bad decisions.
People are the product of their environments.