That is not enough to most people. And if it is enough for others, then it is probably because they were fortunate enough to fall back on something better.
You absolutely nail the most profound pathology of our time. Being a decent, honest, smart, hardworking person is just "not enough" any more. We've created a normatively criminal society.
There are still people that have success without anything criminal.
Indeed. People want to be able to own a home and/or raise a family, too.
Agreed. And any system that cannot furnish these human basics to decent, honest, smart, hardworking people neither has nor deserves a future. Any criminality people have ought to be directed at that system rather than ones fellows.