I don't think it has anything to do with a change of fate, but more of a case of such a one settling for what is available and can provide their daily bread.
That's one reason why education is important, because if one knows how to work smart and learn to employ labor, then they have become an entrepreneur no matter the area or field of expertise.

Working smart is today's day and age solution to working so hard without gain and it pays to be educated in every area so as one can personally develop to improve on the conditions that would normally not be conducive enough for one to accumulate wealth.