Well yes, aptitude generally correlates to one's ability ability to provide value that demands more money. But that doesn't mean it's unfair.

If you're white with English being your first and only language.

Two high income parents probably both went to college. This alone will set their kids up for success due to genetics and educational values

This is mediated by the fact that SAT basically measures g, g is heritable, and g predicts income level. It does not imply SAT unfairly favors rich people.

Does that mean minorities inherited lower aptitude?