It's not zero sum. As somebody who has come from money and made a lot of money in a field entirely unrelated to my parents and with zero financial help from them after university, a lot of the disparities I see between myself and others in my situation who came from more disadvantaged backgrounds is that they spend their money far less wisely because they think that, for example, a house in the country will make them happy. I know from my childhood that is not necessarily the case.