wrong.
for example you can be born rich and that requires no effort on your part. and even worse, being born rich is a huge predictor of what class you will be in most of your life. ie, its beyond your control, beyond free will, and so we mostly have a deterministic economy. and this all goes against the myth that if you work hard you can be middle class or even rich. where im from that

dont really matter because housing prices are so out of wack from incomes.