Is it really that simple…loads of money versus less money?
I would have said it was more nuanced than that. Some people make good choices in their lives & they reap the benefits of them. Some people don’t and their life and life style is impacted as a result.
Some people are born into an environment where good choices are the norm and are expected. Their good choices are facilitated & encouraged by parents who made similar good choices. Other people are born into an environment where everything - even something as basic as getting an education - is an uphill battle.
But we are all human beings with free will at the end of the day & if I am going to judge some one (we all do it, if we are honest) it’ll be more on the choices they made their lives and not the amount of money they have in the bank, even if there is often a strong correlation between the two.