I agree with you for the most part. I'd just like to point out, since I also consider my family lower-middle class, that most lower-middle class families have no money whatsoever for college.
Most of us in that situation took loans. And if we did OK, we paid them off. No big deal, just another minor obstacle.
There ain't no privlege here. Nobody ever sat me down and said "this is what you need to do". Hell, nobody ever cared about that, just whether or not I could get stuff done. I never had any big friends throwing me tips and jobs like that guy at Sea World training the seals to play horns. I never begged some "angel" to give me money. When I hit a wall, I banged my head against it until I got through. When everyone else was going to "conferences" and "training classes" on the company dollar, I was back at my desk, pounding out code and reading the f'ing manual. And when somebody says I have a duty to make somebody's life easier, I want to ask them where they were when I was sweatting blood?
You want a new "language" for "privlege"? How about spelling it L-A-Z-Y? Anyone could do what I did. It isn't hard. You just have to put in the work and for Goddess's sake stop whining.