So if everyone somehow took "personal responsibility", there would be no problems with income inequity? How do you then explain the cashier who has worked for 20 years a the regional grocery store chain whose wages have not kept pace with rising costs for housing, utilities, healthcare, food, and other standard cost of living indices?
You've started your own business and set your own rates. That's awesome and the America Dream. Some people work for the man and it doesn't matter what they do, a 1-3% merit increase at Price Cutter's and Schnuck's of the world just doesn't get it done. No amount of boot-strap pulling changes that.