Well, you’re both right. IQ means something, but it’s only a predictor for outcomes. Many high-IQ people have led very mediocre lives and many low-IQ people have had very successful lives. Certainly, a high IQ can make life easier for you, as can being born in a prosperous country, having a wealthy family, knowing the right people, or getting lucky. The other half of that equation is hard work.
From what you’ve said, you don’t have good family connections, high IQ or know the right people. You haven’t said where you live. There may be resources there to help you, or not. Either way, accessing those resources or getting ahead without them will be hard work. If you decide to go down that path, there will be pretty menial jobs, long hours, and not much money. There will be a lot of hard work in your down time to see what you can do to improve your abilities so you can improve your prospects in the future. Likely you will find none of this fun. There’s no guarantee it will succeed. But, like with many people, those are typically the only options before you to get someplace better.
The other argument I’ve heard is so that people will see how much the government is taking from them, and be angry about it. This would be particularly useful for politicians who campaign on smaller government.