This is a really good point, and it's not just because of the bankrolling that the parents do. They also set a good example for financial management, discipline

This is a really good point, and it's not just because of the bankrolling that the parents do. They also set a good example for financial management, discipline, respect for education, and perspective toward business. My parents are upper-middle-class. They're not rich, but they're wealthy enough that they know what to do with money. If I were thinking about starting a business, I could easily bounce ideas off my dad and get genuinely good advice. And if he couldn't give me the advice I needed, he knows people who would be able to do so. In contrast, someone who grows up poor is working in a vacuum. Whom are you going to ask, your deadbeat dad? His shithead friends? Your mom, who's working two minimum-wage jobs just to put food on the table and keep the lights on? They work their asses off, but they have no idea how to build a business. As a result, it's no surprise that the wealthy tend to come from the middle class. The rich might fall from grace into the middle class, and the middle class will often make a whole bunch of money and become rich, but the poor tend to stay where they are.