I realize you didnt intend it poorly but that is some patronizing stuff, that is borderline spiritual bypassing, and neglects the reality of the world for many of us. Hard work doesn't ensure 'happiness' anymore than being born into wealth does. And it doesnt ensure financial security obviously. But being born into wealth does (generally) ensure financial security and financial insecurity is arguably the number one killer in the world. Its not just 'nice' not to have to worry about money, its almost everything. And if someone doesnt know that or believe that, its because theyve never really had to worry.