I've encountered a few individuals fairly well off and where they think of everyone as idiots. These individuals came from an upbringing of lower class and they eventually had the right opportunities happen for getting ahold of some money. Example from something comparable to bitcoin happening. Nothing in anyway of were these persons were contributing to society in how they gathered a good portion of wealth.
I've also encountered people from wealthy families and these individuals typically don't comment on what they think of others less fortunate in society. They also stay out of politics or anything where people get disgruntled about. I'm unsure if it was how they were raised and or they know the game of life is rigged. In any case, I respect this group the most which is sort of odd because everything was handed to them.
Anyway, the first group of individuals probably would have been better persons if they were just born into money as well. They have a fallacy in their head of they earned their success and wouldn't have had it any other way in life. In reality they just had a worse path to eventually becoming financially independent and sadly these individuals place their ego around wealth because of it.
I don't necessarily believe in the traditional idea of luck. I think everything is predetermined at birth. But wow does it help to be born into a wealthy family with somewhat decent genetics. Quality of life will be so much better. It's so noticeable that I sometimes wonder how others don't see it as well.