Just a thought I had, like what can a ten year old do(besides mass murder & accidents) that messes up their life so badly that it is unrecoverable?
It has to be something that is self inflicted and not something that is the cause of others around them.
Despite declining social mobility, mke_geek makes a fair point, being born poor isn’t absolutely guaranteed to mean that you won’t be able to have a meaningful or fullfilling life. I’m sure that many people who are born in remote villages with a subsistence lifestyle, that we would view as living in poverty, are happier than many people who are born in “first world” countries.
Anyway, OP is asking about choices, not situations that are inflicted upon them.