Here are some of my thoughts on your questions.  
"Is it your contention that those born with obstacles should have to work harder to catch up to those who do not?" Life is not fair.  In my life, I was not the brightest.  My peers I grew up with did better than I on the SAT, they got the scholarships for college.  Yet today, I am better off financially than my peers who had better opportunities with scholarships and more affluent family. "Or that they should be willing to accept their lot in life?"  Each person measures their success differently.  I don't judge the rich or poor person.  I judge the person that revels in victimhood and wants to be rewarded with my hard work yet they are not willing to exert the effort of hard work.  I am talking about able bodied people, not our mentally ill, our special needs, or our sick.