As I see here, the issue consists in not having access to loans in the same manner wealthy individuals have, is it?

Instead of thinking how unfair it is, why not start looking for alternatives to overcome this disadvantage while playing the game of life? Moreover, to not have access to capital flow isn't that bad, since this way you are safe from getting into a lot of debt in case your plans go wrong.

If you are so skilled, you probably won't need access to capital flow, as you can start making money from zero, without accumulating debt and interest to be paid along the process. Of course there isn't a certain recipe for success in this world, and some working methods for oneself might not work for someone else. Anyway, you should pick an alternative and start working on it with full effort, good will and endurance.

One example is to educate yourself in a professional field to become a master on your career, so you can stand out as professional, raising the demand for your work inside the jobs market. This way you can still thrive, without necessarily having access to capital flow.