I am 23 years old. I studied hard, went to college, got good grades, etc-- "did everything right," as far as older people in my life told me. At 19 I became disabled from a sudden rare condition such that I am now very ill and mostly housebound. I thought exactly as you did before becoming disabled. Everyone thinks sudden, rare, lightning-strike style things just happen to others until one day they happen to you.

I don't agree with railing against capitalism either-- it's not clear to me that there's any other system I would do better in, given my disability-- but the idea of, "if you do everything right, nothing bad will happen to you" is basically a comforting lie people tell themselves to feel safe. I believe in the value of hard work, and I am trying my best to better my situation-- switching my entire career from humanities to IT-- but I still am not fully sure how I am going to be able to support myself, and I don't think that's my fault.