Rich people having movie theatres, expensive gaming rigs at home whitelist surrounded by PAs & maids sounds like the first category.

Only the buying/renting/paying people with actual knowledge is kinda from the second.

But it's options.
Rich people have options, the luxury to choose whatever - they have the time (no job or financial-survivor stress) to choose said options, and if they fail also the financial safety net with catch them comfortably/without years of additional debt.

The 24h of a rich person are not the same as 24h of an average person.