Look at this image:

She is Charlotte Casiraghi, daughter of Carolina de Monaco. She is beautiful. She is delicious. She is very healthy. I also think very intelligent. She studied philosophy and is extremely interested in the subject.
Look at this photo now:

He is a child who lives (and will die) in a landfill. He may have no name, no parents, or anyone to take care of him. He is definitely sick. He is illiterate and will remain so for the rest of his life. For him, the world is that pile of manure. His best hope is to find something half rotten to fill his stomach.
Now, the motivation for being in their situation is the same for both of them: absolutely none .
That should answer the question.
To avoid misinterpretation, I think Charlotte Casiraghi is a wonderful woman. There is no animosity towards her in this answer. I just wanted to compare a person who has everything from the cradle to another who will never have a chance.
How fair is life?
You have to make your own fairness in life. Some people see the poorest of poor and think they have no hope and that life isn’t fair. Those same people look at the truly wealthy and think how is it they have everything in the world and want for nothing?
Many of those same people who see both types of person thinks that the truly wealthy should care about the poorest of poor. I disagree. Life is what you make of it. You have to want to do better.
You have to instill in your kids that they can do better. The difference between true wealth and true poor are choices that they made along the lines of their lives.
Majority of the truly wealthy have had their family start at the bottom and through the decisions made over generations they have became truly wealthy. Stop looking at life as either fair or un fair or lucky or unlucky.
You are in control of your own lives. Do better for yiur kids and make your kids understand they can do better then you and so on and so forth. In a couple hundred years maybe your family will be truly wealthy or maybe your family will be the poorest of poor. But not trying is a guarantee to end up at the bottom