>Because they have family obligations that take priority

This is on you. If your serious about it you should see this coming. Elons familial situation isn't exactly all flowers and roses. A lot of my friends who managed to start successful business started yong precisely because they saw this coming and new it would be difficult to do with a family. I would argue the exception is if you have parents who are sick or need heavy financial support or whatever. If this is the case, would be a fair argument in favor of being rich (or at least middle class) helps you get rich.

>Because they live outside high-income countries

I would argue this goes both ways. If anything a lot of countries are trying to pile into developing countries now cause that's where the growth is. Similarly I used to work in hk where living costs are absurd. Then I was relocated to China and after a while I quite my job to try my own thing because it was affordable to take the risk. You could live decently by being frugal with some savings and the benefit is still vastly in favor of being an owner than an employee. Access to education might be a differentiator but so many things are available for free online now.

>Because they have no access to support network, so when they fail, they fall all the way to bottom

I think this is related to two somewhat. It's also totally feasible to position yourself so that even if you fail you can still land on your feet, you just have to be conscious of it.

>Because they may have made a crippling mistake in their pasts that now prevents them from reaching their full potential

Again this is the same for everyone and is on you personally. Don't do anything stupid.

But like I said, I generally agree that being rich or middle class definitely helps you become rich, but if you can go on and on about all these reasons your probably want to adjust your mindset as well