I get the feeling you are from and still live on a council estate. There is no shame in it so why are you tormenting yourself inventing idiotic tales of stock bonds and gold ingots?But tens of millions do.
I've also met those that had to leave home because of x/y/z when they were young
and they managed to get their own place etc. Everyone I've met that is doing ok, well annd very well very rarely pay interest on anything other than a mortgage, business loan and rarely get a lease car etc, etc and never a pay day loan.
It's called fincial planning
We wnated, well I wanted more kids but I knew we only had 4 bedrooms, so we planned within our means.
I did nor want to work, never wanted to work but thankfully the fear of my dad giving me a slap around the back of the head did the trick
Another point, everyone we knew, family, friends etc not one was unemployed bar one that had medical problems
and thankfully that happend to that bloke/family when he was almost 50 so set up with a property etc
I've met via my work when I worked three generations of family having kids at around 16 even the grandparents very young were not one of them did an honest days work.
Yes, I've met people that worked hard and over 40 hours a week just about making good when they get divorced and all goes belly up.
If my ex had not cheated on me and we had not had to split everything, I believe that we would have been a lot better of financially - not doing too bad me, my OH/family inc ex but we could have done better
Via work again, when visit council estates and other run-down places especially tower blocks, it was an incentive for me to do better and that reinforced my stance never to borrow money other than a mortgage and always have xx in cash
I hear you but I'm only posting what I've seen and heard and yes, there is an element of luck.
You want to be a snob ,admit it