Nowadays, particularly in the United States, if you meet someone at the bottom of society, they may unkindly be described as a "loser." There's a real difference between an unfortunate and a loser, and that shows 400 years of evolution in society and our belief in who is responsible for our lives.
Сегодня же, например, в США, если вы встречаете кого-то со дна общества, этот человек может быть даже грубо назван « лузер ».