What separates the rich and wealthy from the middle class and poor people is not the amount of money they have but rather what's in their minds.
Here's a guarantee. Take away all the millions or even billions of these people and they could still make it in time. Why? Because they know how to do it and they have the right attitudes and mindset towards money.
These rich and wealthy people are financially sound while the middle class and the poor, no matter how good they are on other things yet they aren't educated well financially, they will struggle and could never get out of the rat race.
Financial literacy and discipline separates the rich and wealthy from the middle class and the poor.