Are these things stacked against her, or stacked in her favor?
It’s all about perspective. Just a reminder that we are not entitled to special recognition in life for doing things that are expected of us. Working hard is its own reward. Getting good grades will serve you well in all aspects of life. If anyone here, including the OP, is living in comfort and doesn’t want for anything, then you are more fortunate than a lot of others.
Being able to afford college is a luxury that many others do not have. Even in the US, there are many great options that are unfortunately very expensive for a LOT of people. So if you are working really hard and get into an affordable college, full stop, be grateful. If others are coasting, it doesn’t matter. You will get out of college what you put into it.