I agree that there's more to it than growing up comfortably well off. Among other factors there's the mindset; I grew up in a professional family with deeply working class roots, and was raised with the idea that the way to get ahead in life is to get a good education so you can get a good job. The prospect of owning a company or being an employer rather than an employee was never even acknowledged. It took me a long time to break out of this mindset despite always having a general feeling that owning a company was the only real way to get ahead.