You forgot two factors: capital (which excludes the vast majority of people om earth), and an enormous amount of luck.
It's a genuine question. Who's the poorest YC founder? Least family wealth, least angel/seed investment. Who genuinely managed to get YC funding without putting in any money of their own?
A lot of VC capital is democratized: an elected official appointed a pension fund manager who decided to allocate some funds to a particular VC firm.
If you aren’t well connected or hyper credentialed (or if you’re a minority founder), raising capital is very hard. It’s easier than it’s ever been, but it’s not « easy »