Nah. A person is predisposed to both their good and bad outcomes by the events that occured before their birth and the relative functionality of the society they exist within.
For example, i had no firm concept of finances or investments until my folks moved us out the hood and deep, deep, deep, deep into the white suberbs late during highschool. Immediately upon entering that environment, i was bombarded with financial literacy courses, classes on making 10-point bussiness plans, and courses on investments because that knowledge was standard in the neighborhood i was transplanted into. I was blessed with guidance counselors that actually gave a damn about student's well being and made legitimate plans for our futures, beyond "just go to college".
By comparison, my friends who remained in the hood had none of the above. And suffered for it. Furthermore, many of them lacked financially or acdemically capable parents that could afford to push them into a better environment, like i was fortunate to have. Dont get me wrong, there certainly were exceptionally gifted outliers that beat the odds in our original environment, but we cannot expect everyone to do the same.
You often need a good base provided by either your parents or your society to avoid brokeness. Those without either of these can certainly break out, but they will be behind their peers as they stumble through trial and error. God forbid they have children, experiment with controlled substances, or commit a crime before they awkwardly stumble onto the right path.