Neo-liberalism summed up in one sentence
'People who make "bad" financial decisions should die.' That is the end-point of market-based thinking where everyone is a "rational maximizer."* Readers, do I unfairly caricature?
Note that this ideology subsumes the idea of "bad luck" -- Obviously, if you experience any ill effects from bad luck, you didn't insure yourself properly!
NOTE * By which I mean a sociopathic monster.