I always wonder if people live in such bubbles they really don't know or can't even perceive the struggles others deal with. To me it tends to feel disingenious most of the time. When I encounter these sort of retorts I like to sit down and force the person to consider the situation an average minimum wage employee is likely in or even someone doing a bit above minimum wage, say $20/hr, do a little basic arithmetic and budgeting. They usually end up "well that sounds rough, glad I don't have to deal with that" and brush it off where the creep back in their cushy little bubble.
I grew up poor and have plenty of money now so maybe I just have a more unique perspective that's difficult to have without living it. But I often find so many really just want to tow the narrative because they understand how much inequality really works and so long as they're doing better than most, the can continue to do fairly well as long as no one rocks the boat. They like hiring that person to do that thing for virtually nothing. They like all the services they get for marginal costs because the people who work there are being exploited. As long as it's not in their face as as long as they can br the lords and vassels of today, they get to enjoy enough of the spoils of human exploitation to ignore all the terrible ways we treat each other through financial abstractions.
So much success or lack there of has little to nothing to do with work ethic, value creation, or contribution to society and has so much more to do with gaming the current systems.