well, then you are wrong
your personality is genetic, your social / financial status is highly dependend on your and your parent's IQ which is largely genetic, neuroticism, looks, NT or non-N, weight, almost nothing is not at least partly genetic or indirectly influenced by ones genes.
You’re kinda wrong, but the distinction is mute. Personality is largely affected by how you’re treated growing up, but tall, attractive men are treated better from even preschool. Ask any kindergarten teacher about this, and they’ll tell you the tall, cute boys are already stronger, faster, smarter, etc. They already have lots of friends and girlfriends. Chads are bred to be confident from day one. It’s human nature.
I had a girlfriend in kindergarten, but I was nearly a year older (and had a year more of a growth) in kindergarten. Weirdly enough, I was average to small even in my kindergarten class. It’s kind of a miracle I even became average height and not a turbomanlet. I was a year older and still smaller than much of my class. Looking back at my kindergarten photos were a total blackpill. One kid in particular, we’ll call him Brad, really punched me in the gut. Brad was taller and more masculine looking than me even back then, despite being a year younger. Brad is now 6’3”, muscular, and has a Chad face. The writing is on the wall early, but you don’t realize until it’s too late.
I have met some socially inept Chads, but usually because they grew up super poor and were abused by their parents. One Chad guy I know had drug addict parents that beat the shit out of him. He has insecurity issues due to being raised by poor, awful parents that hated him.
But yeah, if it’s not your genes, it’s the money and circumstances you’re born into, which are also beyond your control. Hell, circumcision has nothing to do with genes, but it’s still a dice roll.
I wouldn’t say your parents wealth is entirely dependant on IQ, but even if it were, you’re not a carbon copy of your parents. Your dad can be a genius, and you can be a retard.
That being said, the easiest way to make money is time, and your predecessors have nothing but time. Ideally, your grandparents should die with their home paid off and with a nest egg of retirement savings. That should go to you. Now you have savings and a house, meaning you can be rich with even a modest income.
Unfortunately, many people have to start from scratch in their lives. They start off at 18 yrs old with no assets, no savings. They have to buy their own house, and car, and everything else and start all over. It doesn’t make any sense because their family should have already done these things, but that’s clownworld.