Why is it harder to make money when you're poorer?
Because this is a meticulously designed society, if you want to quickly accumulate your first million in life, or even your first ten million, you must learn a skill called plundering the lower class.
This society is very cruel. For a person to make money, there are only two paths: one is called upward linking, and the other is called downward harvesting. When you have no money and have never seen the world, you can't walk the path of upward linking. Unless you are naturally smart and lucky enough to become a plaything of the upper class, or you have special skills or talents, such as being a specialized talent with special skills in a certain industry, only then might you be accepted by the upper class and have the possibility to link upward and make money.