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RE: Minnows - Will they be left behind
Based on the numbers, 100 SP or more puts you in the top 2-5% - so does the middle class start there?
I would use @tarazkp's 30-60k SP as a guide, at that level it's possible to support a few (but not many) minnows on their way to becoming Dolphins.
We will just keep pushing forward.
The reality is that some will never reach even the minnow level as a result one has to find balance not only in who to support but selfgrowth also. Selfgrowth is one of the hardest things to understand on how to accomplish.