Couldn't agree more. Many (most?) of our opportunities are afforded by the family, community and society in which we grew up. Of course individual talent and choices make a difference, but it's my feeling that many people wildly underestimate how much their external life circumstances contribute to their success or happiness. In fairness, it goes against our sense of self-efficacy.
Like a lot of things recently, it reminds me again of Timothy Snyder's book On Freedom. I think the world would be on a much better path if more people took its core message to heart: that your "freedom" in how to lead your life is not just an absence of oppression, but something made possible for you by an entire society collaborating on giving others these opportunities, by maintaining infrastructure, education, emergency services, etc. etc.
I like the thought experiment of considering how much of your current life's comforts and liberties you would still have if you lived as a hermit in the woods. Nobody tells you what to do there, but you'd quickly find out how much your luck depended on society.
Being able to buy my food at the supermarket instead of having to go hunt and forage for it every day gives me a lot of additional energy and time to exercise other freedoms.