Having rich family versus none provides a safety net that lessens the consequences of risk taking, and sets a baseline of how bad your life can get.
It's like playing a game with check points versus one that has you start at the beginning if you die. You still have to do all the hard work to reach your goal yourself, but those retro style non check point games are incredibly hard compared to games with check points, saves, or cheating with save states.
People this doesn't affect are pirates. People who get to enjoy their media without worry are pirates. When pirates are getting the better experience and it's customers who are getting affected what incentive is there to not pirate other than personal morals. Because it sure isn't for a better product.