This is closer to what I was getting at. Above someone mentioned government assistance programs, which is also true to a point but not really what I meant (another 'disagree connotatively').

I was mostly going for the fact that circumstances of birth (family and status not genetics), location, and locked-in life history have far more to do with income than a lot of other factors. And those who make it REALLY big are almost without exception extremely lucky rather than extremely good.