I'll give my opinion as a medical student (not adcom). First of all, the prompt says "part of BEING a physician." In medical school you are not a physician yet. Second, are you from a low SES background? Are you experiencing significant financial hardship? Are you on food stamps/Medicaid? Will you be using loan money to support a family? If so, you could discuss those challenges. However, if your "hardship" is that your friends have jobs/houses and you don't, IMO that could come off as immature, i.e. you're focusing on comparing yourself to others instead of on your own journey. Moreover, becoming a physician is almost a guaranteed path to eventual financial stability, so if you are not currently facing financial hardships but complain that your friends have it better even though you will probably be better off in the long run, that could also come off as immature.
What clinical experiences have you had where you watched a physician deal with a situation and thought "wow, that must be hard to deal with?" That is what you should write about. It won't come off as cookie cutter if you draw from situations that YOU have witnessed and reflected on.