All these assumptions about “wealth” are pointless assumptions about “people” and “their wealth”
IMO it’s more to do with choices made by prior generations and current. About work, education, where to live, spending.
I’ve seen it among my peers.
Friend waitressing 2 jobs, saved by: taking no holidays, no meals out, no Frappuccino’s, no insta holidays. She bought a very inexpensive flat, fixed it up and sold, and has been on property ladder since 22 yrs old.
Others doing versions of same but taking longer, because different choices - where to live, or travelling. Spending.
Another peer hugely in debt due to choices.
Sure some family helping with parts of life as they can.
Some get a bit of inheritance or life insurance … but that is more people choices. You get the “poor” guy who has saved hundred thousand and leaves it to dog home … the aristocrat who spent it all …. And everyone in between.
People who make good choices for selves and family shouldn’t need to support others.
Trying to make this about politics, inequality is pointless without data or facts.