It looks like you have just generalized entrepreneurship. There are also some simple facts about growing up poor. Even giving a poor person a lot of money does

It looks like you have just generalized entrepreneurship. There are also some simple facts about growing up poor. Even giving a poor person a lot of money does not put them in the same boat as someone who grew up around the mentality of "money as a tool" instead of "money as a scarce resource." There are biological differences [1] to growing up poor vs wealthy. Those differences are often compounded by poor nutrition which leads to poor health and other real impairments [2] including learning impairment and unwise decision making. Within your three categories, 1 and 2 look awfully similar to my eyes. There is a luxury of time, knowledge and choice implied. 3 is a wildcard for great success or great failure often decided by luck. Great failure might mean homelessness or even death. Smartly, many people in category 3 opt for life and an underpaying 9-5 (or several of them) rather than rolling those dice. [1] https://www.sciencealert.com/being-poor-not-only-affects-your-health-it-changes-as-many-as-one-in-13-genes https://www.sciencealert.com/being-poor-not-only-affects-you... [2] https://pubmed.ncbi.nlm.nih.gov/10946800/ https://pubmed.ncbi.nlm.nih.gov/10946800/