For all those saying we are all the same, some good and some bad ... this response nailed it. It's a different world.
Hameldown
Money and its trappings are red herrings. What matters is belonging. The people you are discussing may be any or all the things described but these are details. Belonging to a tribe through long standing friendships and family ties creates an unassailable position which can be maintained indefinitely and passed to the next generation. It starts young with bonds forged at boarding prep schools, sharing fun, games and homesickness, dorm raids, In jokes, private language, three cheers for the opposition then match tea together, understanding your parents are friends too and some of your schoolmates are also your cousins. These ties are endlessly reinforced by moving to the same senior schools (Radley, Harrow, possibly Sherborne- don't obsess about Eton; it's a largely UMC school for uber-confident sons of high achievers), shooting or fishing invitations, staying with one another in school holidays, meeting up at weddings and getting drunk together, dating then marrying friends' siblings and friends of friends. In adult life the key questions are never about what you own, but who you know. The more people you have in common, the more total your right to belong. You can't buy this for yourself, and people who attempt it end up trying too hard, missing the cues and reinforcing their own non-membership. That's not to say those on the inside are horrible, entitled, arrogant or unfriendly, any more than any other group- indeed, because good manners are prized these are much to the fore, hence all the glowing epithets on this thread. But don't be fooled into believing that being friendly, charming, unstuffy and welcoming means any more than this.