People who come from money have a much softer landing when they fail. Therefore, they can take more chances. I mentioned Trump earlier. The three that are old enough to have done something have great educations. I'm sure, if they were falling short in academics, the finest tutors were provided. And, had they failed at school(which I don't think was an option), they weren't going to struggle to feed their families. People with less money can't afford to fail so they have to make safer choices. And, as the old adage goes, no risk, no reward.