They also might not be from a rich family, have a huge debt, still have trouble getting hired because degrees aren’t considered experience by most employers for some stupid reason (they don’t want to pay for your expertise in other words so they’ll gaslight you into thinking your degree is worthless) and they might not have the connections because it is harder to connect with people who are way richer then you “We’re going out for drinks… Oh, you can’t afford it? Are you giving me the cold shoulder? Oh well.”

You hit the nail on the head.