Maybe some did make plans for the future by borrowing to fund their investments, then the unfortunate tragedy struck them. Being rich means having high income/purchasing power, it does not mean financial security/freedom. Proper planning and financial discipline can bring about generational wealth.
I believe that having high income will mean financial security. It does not guarantee it because you might end up losing all your salary but at least you now have the capacity to make sure your money is safe. Which is the first step anyway. You have to have money to secure in the first place before you even try to find a way to secure it.