I can’t argue that you’re wrong, especially about the whole “pull yourself up by your bootstraps” BS. However, there are a few important things to note.

1. Success is a matter of definition. What financial success looks like if your parents were 1%-ers is likely very different than what it looks like if you’re from a middle-class family and the first in your family to graduate from college and the first to make a 6-figure income, is different than what it looks like if you’re from a poor family and never went to college.
2. No matter what field of endeavor we’re talking about, if you’re not one of the established leaders, you’re at a disadvantage. If you see that as meaning there’s no point in playing the game and thus that you’re justified in checking out, then you’ve just conceded the game to those established leaders.
3. The best way to stay motivated is to define your own game — what does success look like for you? Why is that important to you? Are you doing better today than you did yesterday? Are you closer to your own goals now than before? Unless you’re incredibly unique in your abilities, trying to beat everyone else at their game is a losing proposition.