Ideally, taking business risks should be rewarded as much as possible. That keeps an economy dynamic, flexible, and responsive to new opportunities. Otherwise you get an economy dominated by big brittle players that are content to sit back and milk cash cows. Oracle comes to mind, with its army of lawyers eager to shake down institutions that may not have quite the correct license for a server.

This is where bankruptcy for businesses is incredibly important. People should be able to start a business based on an idea, try to grow it, and not suffer personal ruin if the business fails. A good social safety net is beneficial as well to make sure that after a business folds, its former owners still have the bear necessities of life. Likewise, there needs to be a strong inheritance tax so the wealthy have their wealth significantly diluted.

None of this will make things equal between the children of the upper class and lower class, obviously. It just makes social mobility a little easier and benefits the economy as a whole.