Bill Gates was born in a privileged family but this is not enough to sustain super challenges Microsoft dealt for decades. He outwork almost everyone. I am not saying he didn't use unfair tactics, just saying that he was not only lucky.
None of us were wealthy or privileged.
I graduated in 1979 with a whole class of people who were quite capable of doing what Gates and Jobs did, and that's just from one university. But we didn't, and Gates/Jobs did. How do you explain that?
My father was career military. That isn't a recipe for wealth, and is an avenue available to millions of people.
You might be interested in the book "Masters of Doom" about John Carmack and John Romero. They had none of the privileges you assert, and yet vaulted to the top of the gaming industry.
I was actually going to ask this, but I didn't want to be presumptuous.
Your family, like mine, were probably recipients of GI Bill benefits. These benefits (like college grants and home loans) were systematically denied to black folks, disallowing them from participating in the post war economic boom.
There probably weren't a bunch of black students in your graduating class.
Bill Gates had a lot of guts and savvy on top of a great work ethic- and a lot of social advantages.
Never in history has there been more opportunity than there is right now in software. Software is a completely unregulated free market, the barriers to entry are essentially zero, the market for a product is global, training materials are zero, and marketing costs can be zero.
All you need is some get up and go.
Having nerve isn't just a privilege. It's a skill you can learn. Same with decision making skills, etc.
We still need to acknowledge that luck is part of the pattern.