Losers have excuses and winners have solutions is a direct demonstration of spiritual law application. People who break spiritual laws will suffer; the inevitable karmic consequences with pain and suffering experience. They will complain bitterly. Obviously they belong to the loser group. By comparison the people who study the spiritual laws; accordingly choosing to live within the spiritual framework. Will avoid serious karmic consequences so they will have happier more contented lives. Obviously these more enlightened individuals will belong to the winners group.