Comment by Clubber

>Having a lot of money and having loving parents are not related in any way I can tell.

They're not, they serve different needs. Perhaps indirectly related, but having money certainly doesn't make you a good parent. Those are just prerequisites for a higher chance of success. If you have neither you have the least chance of success. If you have one, you're more likely to succeed, if you have both, you're most likely to succeed.