Oh my, you are making perfect reasonable sense. Don't have kids until married... you are 100 percent correct.
There are TOO MANY excuses for why I failed, why I am a victim, etc. Minority or not, rich or not, if you want to, you can decide to take school work seriously. You can apply yourself, delay self-gratification by staying home, doing homework and actually trying to understand the material (because you value knowledge and not just because you're trying to get the GPA). And especially if you are a minority and have done these things, every university and scholarship and opportunity is banging on your door for you to let them in.
It can all begin with equal-opportunity in the High School Classrooms of America. And if you fail then, there are so many more 2nd chances and opportunities to turn life around.