Person 1: We are all in the same boat.
Person 2: No. We are all in the same storm, but we are in different boats. Some people don’t have a boat, or even a life preserver. Some people have fancy yachts from which they can peacefully ride out the storm. Others have comfortable bunks to hide in, while continuing to make a living.
*Hat tip to a fellow Toastmaster for sharing this analogy.