Even if we might end up saying similar things, but just emphasizing different aspects, I doubt that differences between players is just a matter of magnitude.  At any given time, we may or may not have access to some of the same tools, and for sure there are folks who have access from their birth.  Some of the advantages/disadvantages come from geographical location, and some come from level of starting financial / social resources.  In some places you are able to build yourself into some of the circles of advantage, and other places you are going to have a very tough time of it, such as if you coming from having hardly any resources or even opportunities to teach yourself because you are pretty much forced to work, and maybe even "learning" is frowned upon.

You might not even be able to identify ways that you might possibly be able to get ahead because you actually believe some of the information in your upbrining, including that even if you could qualify for being able to use debt, you have no ideas regarding how to employ it in order that it makes more money than the service fees attached to it.

I am neither suggesting that these varying situations are futile for those in disadvantaged places or that mere access to money is going to allow some poor uneducated sod to figure out how to employ capital in advantages ways.  At the same time skills can likely be learned for those ready, willing and able to learn, and so surely sometimes the ditch digger is going to have to bust his ass to be able to spend 10 hours per week studying the matter.. and have quite a few difficulties relating.. for sure in the beginning, and maybe there are ways to practice without losing his shirt, too.  Normies do frequently need to learn the advantages of moderation, incrementalism and preservation of capital, and not even blaming normies for tending to make major mistakes with their capital when they do end up getting access to capital that could facilitate their getting out of disadvantaged circumstances. 

I do believe that bitcoin is a very strong tool that could help to get normies out of disadvantaged circumstances so long as they learn some of the techniques that will contribute to their building principle and capital rather than putting too much of their capital at risk in any moves that they make.

People who come from somewhat advantaged circumstances could potentially improve their situation vastly in 4-10 years, adn people in less advantages circumstances might take 10-30 years or longer.. and surely some of the difficulties that normies have is to attempt to unrealistically accelerate their situation, and loans/debt are not necessarily going to disadvantage them so long as they have some realistic knowledge regarding how to employ such capital, and sometimes, they just might not yet be in a position to employ debt/loans wisely, but with some practice, they potentially could end up figuring out ways to use loans/debt in ways that contribute to their getting to positions that they may well would have not been able to get to without the use of such debt/loans.