Very good point pearpotter. My parents would always take me in, help me out if they could (as long as I was making an effort) and even today could and would bail me out but I am not anticipating inheriting a fortune (and indeed encourage them to enjoy themselves!).
Some of my friends with wealthy parents have taken routes that will either earn less money or take more time to bear fruit. In the former case, one acquaintance is finding it quite shocking that her parents expect her to now live on her wage having chosen to be an administrator in the charity sector.
I do feel some sympathy in the 'takes more time to bear fruit' case. That is much harder for someone with no money to fall back on (there is another thread running where the OP has 3 degrees). A good friend of mine is from a wealthy background and actually lives very frugally, however he had multiple £500k+ flats in multiple cities that he could 'have the use of' for as long as he liked. That surely makes it easier to choose the long road of MSc, PhD, low paying post-doc etc.