Personally I think it all comes down to fate. We don't have a lot of say in what happens in life, everything happens for a reason and we all are given good and bad days, good and bad relationships etc.
People with good intentions have horrible luck, people with good intentions have good luck, people with bad intentions have horrible luck, people with good intentions have horrible luck.
Then we have those who are born into their lives. Some go on to do great things, others go on to do horrible things. Sure, when you are born into privilege you have a better chance at making your way through life that is a fact. Yet often these are the same people who say if you work hard enough you can be as successful , incorrect. There are plenty of people who work hard all their lives and never get ahead. There are people who never work a day in life and get ahead.
On average, people who not not born into wealth, fate is in the cards. The percentage of those born into wealth, they will not have to go through what the average person does, but this doesn't make their lives untouchable. They can be given a lot of suffering like everyone else, only difference is they will be carried inside a coffin worth hundreds of thousands of $$ where the average person will be carried into something much cheaper. Both will be eaten and rotten away, so at the end of the day it comes down to everyone at death turns to dust and our bodies and lives are no better or worse than the other.