All examples of normal family help if family can afford it.
If you are a man, four kids affect you less in employment options too.
It is that thing, even very bad choices have significantly less bad impact on you if you are rich.
> That takes you really far if you are in the top 1% of intelligence.
99% of people are not in 1% of intelligence. Per definition and there is really nothing they can do to change it. You can't change own intelligence.
(Pls biggest screw up I know had measured intelligence super high and that person is complete absolute fail cause intelligence is not that useful practically on itself)
It's like Michael Phelps who was born with a talent for swimming. But that talent was worthless without putting in endless hours of directed training.
Similarly, a no-talent swimmer can actually learn to swim rather well. And certainly being very successful in life does not require you to be the best swimmer in the world. Just an adequate swimmer will do just fine.
Yes, rich people have it easier. There is no path for your life to be better by complaining that life is unfair. You could vaporize all the rich people, and it still wouldn't make your life any better (and would likely make it worse).
The good news, however, is you don't have to be born rich to become rich in a free market country. Lots of people do it - 85% of American millionaires are self-made. There's even a book about it and how ordinary people become wealthy - "The Millionaire Next Door".
Having taken it out themselves doesn't make the mortgage any less real.
Free will implies the ability to choose freely.