Do you ever wonder why people’s lives are so different?

I do think a wad of money early on and subsequent wads at key times could have made a difference to me, especially as it is available but being with held.

Never mind, I will never know and it is absolutely nothing compared to losing children or a partner.

Life is not fair or just. Everything we have hangs by a hair’s breadth.

Unfortunately your last paragraph shows why some “lucky” people are also unbearably smug and judgemental about those who have difficult lives.

And why some people who have led good lives are utterly stunned when misfortune happens to them and will say “I don’t deserve this”

Sometimes our misfortunes are the result of our action, sometimes the result of other people’s actions and sometimes just the randomness of life.

It probably starts with a bit of luck (right time, right place) but then it becomes quite obvious how successive generations benefit. Money is passed down, no money worries, decent food, medical care, good housing, education etc.

We don't all start at the same starting line in this race of life.

Yes, I suppose some people seem to have it all, and others not. Part of life’s rich tapestry.
A good education hopefully leads to a “good” job, which in turn probably pays well, meaning a better standard of living. This in turn enables children to benefit also and so it goes on.
Doesn’t mean that’s all that matters though.
Going back to a better standard of living- healthier food options, and money to help pay for treatments etc. if needed all contribute to a longer and healthier old age.