Coming from money isn't a necessity for an individual, but on a statistical basis, the correlation is undeniable - you're so much more likely to succeed if you come from money that the idea is substantially correct.
If I had a "small $1 million loan" right now, I'd be able to take much greater risks in terms of quitting my job to create a startup or whatever. Thus I'd be far more likely to be more successful (financially speaking)
It's not zero sum. As somebody who has come from money and made a lot of money in a field entirely unrelated to my parents and with zero financial help from them after university, a lot of the disparities I see between myself and others in my situation who came from more disadvantaged backgrounds is that they spend their money far less wisely because they think that, for example, a house in the country will make them happy. I know from my childhood that is not necessarily the case.
If I had a "small $1 million loan" right now, I'd be able to take much greater risks in terms of quitting my job to create a startup or whatever. Thus I'd be far more likely to be more successful (financially speaking)