You like to focus on extremes. The important question is how a person from poor background can move into middle class. Who becomes a billionaire is pretty irrelevant even if you are from well to do family your chances of making it to ,,, are still extremely low.
>The important question is how a person from poor background can move into middle class.
The important question for a society is how many persons of poor backgrounds move into middle class (and how many middle class persons fall into poverty).
And the answer should be systemic, not just about "laziness" and "lack of motivation" and so on, because that wont explain how some societies manage to have way less pour/homeless/etc and more middle class, and others fail at it. Or how the same society changes its ratios over time...