> Isn’t this a bit obvious?
I thought the same thing as I left the church, but it's so ingrained in many people in ways they don't even realize.
Another commenter mentions the "just world fallacy," which I agree drives this sentiment directly: if you work hard, you get good things. If you got bad things, it's because you didn't work hard (enough).
There's lots of feedback loops that perpetuate this: survivorship bias, historic wealth (ye olde boomer-bought-a-house-on-a-single-factory-salary), startup CEOs. I find the description of the American poor who don't see themselves as poor but as "temporarily embarrassed millionaires" to be incredibly true.
Additionally, in many cases the people who're the most affected have the least resources to make themselves heard, the classic "rich people don't have the same 24 hours a day as the rest of us."
So, yeah, to a degree it should be obvious to anyone who goes looking, but there's so many sociological effects layered on top of each other that make it counterintuitive to someone for whom the system is working well.