I think up through middle or high school while you still live in that bubble, yes. Afterwards, the playing field is likely tilted towards higher earners and higher savers. I haven’t done a survey but afterwards some people just had bad outcomes but were given the same opportunities when they were younger. They would say, do well in school and you’ll get a merit scholarship no matter your race, parents, background, or anything; Just your GPA. In some family households, grades and learning just aren’t important and in others, they are.