Nonsense. I know of three people, friends of mine, who got caught up in the CJS. They got out, they dusted themselves off, got their feces consolidated, and made something of themselves. One, retired from a fantastic oil & gas career, three kids, and 7 grandchildren. The next one, currently employed with a service company, owns a nice 4 br, 3 bath house on 5 acres ( still paying on his mortgage. Married with children and two grandchildren. The third one struggles, but is working for himself as a master carpenter, married with two kids, and buys a new car every 3 years or so.
What is their secret? They didn't make excuses and worked their asses off to make a live for themselves.