Statistically you do exactly this if you, or your family already are. It's called the "Third generation curse"

Right, which is why I wrote "become" :-)

Yes, but your forgot "self-made". It's possible to "become" rich by inheritance, lottery, etc.

Exactly my complaint

Just because rich people waste their time and money with academia, it doesn't mean anyone can become rich, just by wasting time and money on academia.

lmao heard of DOGE?