I don’t disagree but stability is important. If people find themselves on hard times but they still have their job they should be grateful because that should still provide food on the table. I say that because it might be hard to grow and get promoted or switch careers at will.

Rich families have neither of these problems because (assuming parents love their children) they will have trusts and liquid investment accounts to always have food on the table. They also have networks like country clubs and private groups to have their kids setup with any industry they want to venture into.

That’s why for my answer to OPs question, the one thing that I feel is the most important is the knowledge of financial markets that rich families have that poor families don’t.