In countries where leaders actually care about development and listen to citizens, the citizens normally have more opportunities and they feel comfortable, but in many countries, citizens feel ignored even when they speak up about thing happening in the country like hardship, corruption, or poor governance and also agree with your last point that regardless of whether the government is good or bad, people still have to struggle and find ways to survive and improve their lives.
Actually the thing is whether the government is good or bad, ultimately people have to fight for themselves. That is true but it does not mean that the government's responsibility is reduced. No matter how hard a person works, if there are few job opportunities, corruption is high or the business environment is bad then it becomes very difficult for him to move forward.
So in my opinion talking only about personal struggles is not the whole thing. Because people must try, but an effective government creates opportunities for the fruits of that effort. Both are important if you look at one without the other, the issue remains incomplete.