Three or more if you count more realistic viewpoints.

> Two kinds of people in this system. One of them thinks if you work hard you can climb your way out of poverty through your own self determination and hard work.

Self determination and hard work is necessary for success but it doesn't mean much without opportunity. Opportunity is unevenly distributed.

What one person see as value, which creates someone else's opportunity, is often determined by subjective social and cultural factors and isn't always objective or rational.

If you are unlucky, you have to work more.

If opportunity doesn't present itself, you go look for it.