There are a lot of people who are "excited and interested" and never amount to anything because of the above mentioned "circumstances" that you were able to overcome, given a series of factors: natural predisposition, hard work, luck, gravity of the initial conditions and so on. Textbook survivorship bias.
A good work ethic isn't "luck". If someone has a good work ethic it's because the people in their life when they were growing up worked their butts off to give it to them. People don't escape poverty because of luck (look at lottery winner outcomes). They escape poverty after about three decades of hard work toward that goal, usually spread across multiple generations.
>Textbook survivorship bias.
Textbook "doesn't fit my narrative, find a way to discount it" bias.
> "Where does personal agency end and circumstances begin?"
If it's "I choose to work harder", it's personal agency. If it's "we're voting away support systems because I turned out OK and you should just work harder" it's not.
If they're reading this, they're already the type of person trying to find success. It's important to remember that a lot of these results about families and finances are _statistical_. There are a myriad of other factors, whether known or not, that lead to success and anyone reading this who thinks they aren't cut out for success should never let that get to them.
I also grew up in a similar family to you, but (other than the crazy amount of times I've gotten lucky) I distinguished myself from my peers in my income-depressed area by being excited and interested in trying to get out of my circumstances. Most didn't. So if you're reading this and worried you aren't as far ahead as your peers, don't. The fact that you're worried will go a long way.