In real life when you make choices there are consequences.
If you are good, you can live a nice happy life, if you do crime, you end up in Jail. If you study and work hard, you have more opportunities in life, if you don't, you can't have the same opportunities.
Hence it is only right that such things happen in SL.
Yes, you can choose to make your character a certain way, but when you make those choices, it will have an effect on other choices which you can make in the future.