There is a particularly toxic strain of self-help philosophy in American culture that involves denying reality in favor of advocating that if you just want something bad enough, it will happen. That's not how life works. The world is capricious, unpredictable, and often unfair. Sometimes these characteristics can be controlled and some people are born in life circumstances that mean they have a leg up or a major handicap. Attributing failure solely to an individual not wanting is a doubly damaging point of view as it allows both structural determinants and individual characteristics outside a person's control to be dismissed. It requires denial of facts and is a recipe for self-hatred.
Which is my roundabout way of saying the original post left a bad taste in my mouth, too. Particularly the parts that assumes a supportive family and downplay the meaningfulness of getting loans.