The "unbankable" generation

I often wonder why it is hard for someone who grew up in the ghetto to have the same opportunities as their peers who were raised in the middle to low density surburbs. This led me to ponder whether it had to do with the fact that there are poorly socially connected? Or was it because they have different cultural principles that matters the most. The funniest part is that we all receive the same education but we end up arriving at different destinations. This led to the idea that those who grew up in the ghetto are the "unbankable" generation that no one is willing to invest in. Or we are meant to remain below only allowing a few of us to slip through the cracks.
I have come to realize that most cases the people who grew up in the ghetto might have brilliant ideas. I got to ask myself why do they remain down with their ideas remaining ideas? Was it because we are not actively trying to with the right people who will help make those ideas turn into reality. Or we are just pure lazy to push them out? However I came to realize that if you want to make it coming from marginalized communities you have to push twice as hard than those from affluent communities. This bengine castigated by the fact that the marginalized community grew up not exposed to the art of networking with the right people.
Only a few who are exposed go to group "A" schools or attends various social gatherings which are mainly made up of affluent community folks. This already highlights that the people from the ghetto have to work harder to get those important connections that link them to people who can push their products. Also of high importance is that most of the people who grew up in marginalized community have poor financial literacy due to the fact that they grew up with folks who lived from Pat check to pay check. So if their are to look for some finances to sponsor their ideas, the financier will always be afraid to commit her or his money because of the fear that mismanagement of resources.
So one have to come up with really convincing financial systems that would be used as a base to build trust with the financier that assures them that the funds provided will be used for the sole purpose of the project. This will be have to done before the commencement of the project. If this plan is to work, one might be forced to initial implement part of the project alone before engaging the financier. This will be done as way show them that if they avail funds will be used to build the business. However if look closely if the idea had come from a person who grew in the middle to low density area the case will be a whole lot different. This is because the people they will be approaching have a bit of track records of them. As they would have seen them grow and at one point in time interacted with them on a personal level to the extent that they understand each other. Thereby making them "bankable" as they will have a track record of what they can do.
The difference can also be seen from the mindset that is found between those from affluent suburbs to those from marginalized suburbs. As those from affluent put emphasis on connection and network management. While people from high density suburbs only value social interactions with people who do not foster growth but however are more of a cancer that they create negativity to surround you instead of nurturing positivity. These differences can be further highlighted by what is valued by the two different social groups (social structure). People from affluent areas value connections more than money therefore invest in going to business functions with the hope of accumulating new connections while those from marginalized value physical gains like money and cars as a result they do not cultivate connections but just do one time business deals.