I agree, but I’d add that hard working talented people can still do great things without money and despite difficulties. It’s just that the reach or scale is amplified by the money. Money and opportunity are amplifiers.
You can be the “Elon musk” of your world, that is you can hit the ceiling of what you were offered. Don’t compare yourself to Elon musk, compare yourself to what was possible for you.
Maybe that’s depressing for some people but I see it as liberating.