So based on your anecdotal experience you have concluded resilience cannot be learned? I find this statement ridiculous, especially considering science shows the opposite.
> The good news is that positive construal can be taught. “We can make ourselves more or less vulnerable by how we think about things,” Bonanno said. In research at Columbia, the neuroscientist Kevin Ochsner has shown that teaching people to think of stimuli in different ways—to reframe them in positive terms when the initial response is negative, or in a less emotional way when the initial response is emotionally “hot”—changes how they experience and react to the stimulus. You can train people to better regulate their emotions, and the training seems to have lasting effects.
https://www.newyorker.com/science/maria-konnikova/the-secret...
I think the two go hand in hand. You can't practice it if you're not prepared somehow for that eventuality. Having 2 child seats stolen while living paycheck to paycheck can be pretty devastating.
That said, I wouldn't wish financial hardship on anyone.