I agree with most of what you say here but ... I keep running into that quote about poverty coming from lack of ideas rather than lack of money and I can't help but call bullshit on it. It sounds good on the surface but ... no. If you have money, you are not poor, whether you earned that money by working as a civil servant or inherited it from a rich family.

You can have all the ideas you want and still die poor. You can implement those ideas and fail. You can implement it and succeed and still be poorer than someone whose father left them a nest egg.