A lower income class man might look at a homeless man and wonder why he doesn’t get a job. Why he works his ass off picking up bottles, when he can use that time and energy to make much more money, for relatively less work. Anyone can do it, he thinks.
You look at a lower income class man and wonder why he doesn’t get a real job, instead of spending nearly all his time working 3 crappy jobs to make in a year what you make in a month. Anyone can do it, you think.
A rich man might look at you and wonder why you don’t stop working for somebody else, and instead learn how money works to become rich. Anyone can do it, he thinks.
The homeless, poor, and middle class man all believe they can’t surpass their status, and therefore won’t change what they’re doing because it’s, to them, futile. They look at the classes above them and attribute that to luck, genetics, parents, government conspiracies, Gods. Some might attribute the higher class(es) as being only attainable by unethical or illegal means.
Some might attribute it to hard work and believe the path their following will lead them there, eventually, if they persist. They see life as being setup in tiers; A ladder. They need to start low and work their way up to become relatively rich (enough bottles, a better job, etc).
None of them believe they can reach the status of the rich man (own a Ferrari, a successful business, etc), and so never will, with the exception of luck. This causes the belief that rich==luck is to be reinforced further.