The main aspect that got reinforced for me though was early intervention. You could see all the middle aged people 'down on their luck' who are destined for a life on the dole because they've let their issues get away from them. These people are now virtually unemployable. It's easy to blame the individual but on a broader level more should be done to combat the cases.
I call BS x 100 on that one as an excuse.
I use my stepfather as a bog-standard example;
Minimal education, dirt poor, orphaned during WW2 and lived in an orphanage until 18.
But was able to work in various jobs - all around the world when younger (he was a Pom) - a qualified tailor, ended up in Aus, with no money, no job, no assets, nothing except a suitcase.
Did bar-work (met my mother there), Council work, painter, maintenance at a Hospital - right up until he got dementia at aged 70.
His attitude, work ethic, zest for life and enthusiasm, willingness to roll up the sleeves and do whatever he could get - was all he needed.