First, this is wild and irresponsible speculation on your part. Second, it doesn't address the plain, objective fact that a person can continue to be happy and have a meaningful life after going through an experience of losing everything. Are you categorically stating that after a person goes bankrupt, or hungry, that their life must be ruined? That there's no point in even living?
> If you can't see why losing everything and having nothing left to survive can make people despondent, you're not capable of having a discussion about people.
It's a fundamental truth that your reaction to an event determines how you feel, not the event in itself. You have the power to not let your feelings be determined by external events. This is not a lack of sympathy for the despondent - it's the essence of hope.