You are completely missing the point. Because they have money to begin with the have the money to invest. For example, buying a home instead of paying twice as much to live in a motel because you can’t get a loan because you weren’t born with wealth.
The principal is about the cost of poverty. It’s not meant to be taken literally.
It’s about the lock in of poverty. It’s not meant to be taken literally. It’s about the increased costs levied on the poor that make it impossible to get out once you are in.