I don't claim to to have an answer for that either. I would question anyone who says that they do. The simple truth is that no one knows what path is going to lead them to God. Scripture, and my own experience, tells me that a life of luxury is the quickest way into deceiving yourself that you need nothing and that you owe nothing. A difficult life forces you to accept that fact that there are some things that are just out of your control and that you need help, it teaches humility. For the Christian, a life of luxury can be a curse, and a life of suffering can be a blessing. I like this parable from Luke:
19“There was a rich man who was dressed in purple and fine linen and lived in luxury every day. 20At his gate was laid a beggar named Lazarus, covered with sores 21and longing to eat what fell from the rich man’s table. Even the dogs came and licked his sores.
22“The time came when the beggar died and the angels carried him to Abraham’s side. The rich man also died and was buried. 23In Hades, where he was in torment, he looked up and saw Abraham far away, with Lazarus by his side. 24So he called to him, ‘Father Abraham, have pity on me and send Lazarus to dip the tip of his finger in water and cool my tongue, because I am in agony in this fire.’
25“But Abraham replied, ‘Son, remember that in your lifetime you received your good things, while Lazarus received bad things, but now he is comforted here and you are in agony. 26And besides all this, between us and you a great chasm has been set in place, so that those who want to go from here to you cannot, nor can anyone cross over from there to us.’
27“He answered, ‘Then I beg you, father, send Lazarus to my family, 28for I have five brothers. Let him warn them, so that they will not also come to this place of torment.’
29“Abraham replied, ‘They have Moses and the Prophets; let them listen to them.’
30“‘No, father Abraham,’ he said, ‘but if someone from the dead goes to them, they will repent.’
31“He said to him, ‘If they do not listen to Moses and the Prophets, they will not be convinced even if someone rises from the dead.’”