Just a thought I had, like what can a ten year old do(besides mass murder & accidents) that messes up their life so badly that it is unrecoverable?
It has to be something that is self inflicted and not something that is the cause of others around them.
If, when you’re born, you don’t choose to be rich, that messes you up forever.
If you’re not born rich you can become rich (or “comfortable”) later in life. It doesn’t mess you up forever.
I think the changes of that happening are statistically neglible, though (comfortable maaaaybe if you’re really lucky but becoming rich is probably a one digit change, if that).