Starting point. Initial conditions.
Indoneysian girls, started working in a factory to have food or girl from Laos, forced to become pristitution in 12 years old will never be rich and their possible talents has no meaning, they'll nevet get a chance to use their talents. Will never study in university, never find good job or will get a chance to start own business. They have chance, but probability of success is close to 0%
Son of millionaire have minimal chance to fall into povetry. He can spit to studing, use drugs, burn his life, nothing will change. Parents will provide him to study in prestige university, will send him to clinics for junkies. They will have support him with money even if he'll do nothing and then he''ll get his legacy and possibility to live as rentier, using income of investments of money from his parents. He shouldn't know finances. Fin. consultants works for this kind of people.