Most people were inculcated with the habits of behaviour needed to make a Reasonable Life.
That started to change in the 1970's.
(Many) teachers, gurus, magazine editors, how-to-live authors, and politicians, stopped inculcating those old-skool habits.
So did some parents (the Bad Ones).
In TheCurrentYear, unless you take active steps to avoid it, you are going to Screw Up.
From seventeen-year old parents to forty-something cat lady career girls; from the mid-twenties with £30,000+ of student debt for a Useless DegreeTM, through the forty-somethings who took a 35-year mortgage, to the sixty-somethings heading into retirement with significant consumer debt; from the twenty-something boys getting fat eating junk food, to the forty-somethings whose knees are going from all those 10Ks and half-marathons...
There are so many ways to Screw Up now.
Especially when (many) teachers, academics, journalists, politicians, activists, mavens and other assorted opinionators are promulgating beliefs that, if followed, will almost certainly lead to a massive Screw Up in the life of anyone dumb enough to take them seriously?
What we do know is that a lot of the Fortunate Classes mouth parrot those beliefs.
Why? Because it is mis-direction.
There is pretty much one and only one way to live a prosperous, worthwhile, enjoyable life(*): work hard, exercise, and eat right; defer gratification; choose your partner for compatibility not romance, stay single if you can't find one, and if you can, get married, and have children (in that order); only buy things you need with money you have; drink moderately or not at all, and stay away from drugs; sleep at least seven hours a night, and wake up early (this will stop you going out late, which is when all the bad mistakes are made)...
Maybe once there was enough to go around, and the working class could be given a decent shot at getting some. But now, there is nowhere near enough to go around. Not since the 1% took so damn much of it. So anything your class can do to reduce the competition for you and your children...
So they lie to people about what it takes to have a reasonable life. Tell them it's luck. Tell them to follow their passion. Tell them it's because others have White Privilege. Tell them they don't need to do a STEM subject at university. Tell them they are healthy at any size or weight. Tell them it's the Patriarchy, all-powerful and never-ending. Tell them it's Racism, all-powerful and endemic. Tell them that all identities are based on being a victim, and if they try to work their way out of victimhood, they will lose their identity, and (horrors) become white.
The real function of the "Luxury Beliefs" identified by Rob Henderson is to handicap the gullible, while pretending to be on their side.
Next time someone gets woke on you, smile and say "Ah. Luxury beliefs." Like "First World problems".
(*)Because strait is the gate, and narrow is the way, which leadeth unto life, and few there be that find it. (Matthew 7:14)