[acdha]

Don’t think of it as a Boolean requirement but rather changing the difficulty factor, with key thresholds for going to the next level: it’s much harder for a poor kid to reach middle class stability than for a kid from a $1M-ish family to hit $10M. Having a high-status education, access to their parents’ social network, familiarity with banking and finance, and the ability to know that taking a chance and failing means that you get a “boring” upper middle class life rather than being on the streets all make it much easier for someone to even try something ambitious.