living in a society with good institutions, such as an efficient banking system, a police force that will protect you from criminals, and courts to which you can turn with reasonable hope of a just decision if someone breaches a contract with you. Infrastructure in the form of roads, communications, and a reliable power supply is also part of our social capital. Without these, you will struggle to escape poverty, no matter how hard you work. And most of the poor do work at least as hard as you or I.
