I think describing people as architects of their own lives is nice. It would be great if everyone has infinite funds and a large amount of 'land' they can work on. For those living paycheck to paycheck, it is like getting a few pieces of blocks for building. They have to focus on making use of what they have immediately and can't plan anything. Since not everyone has the same amount of resources, we should try to make the best of what we have, while trying to strive for something better.