Are you actually serious?
We are obviously not talking about being born into wealth. Middle-class people still need to accumulate capital first, generally by working, something that's not always possible (for an extreme example, take e.g. ~90% unemployment rate for autistic college grads).
Even if we were talking about wealthy families, that doesn't count out being disowned, etc. for being gay or transgender.
In any case, check out these links: https://theconversation.com/transgender-americans-are-more-l...
https://nwlc.org/income-security-is-elusive-for-many-transge...