Musk himself has said that he started Zip2 using money from himself, his brother Kimbal, Greg Nouri, and Silicon Valley angel investors.

Errol invested a bit later.

I didn’t say that $28 000 was a stratospheric amount, I said it’s something the vast majority of people don’t have access to, let alone the angel investors. They also don’t have access to the doors that were opened by his family’s connections.

Again, I’m not saying Musk was merely gifted his success. Clearly that’s not true, there were hundreds if not thousands of others with similar connections and opportunities who didn’t achieve anything near his success. But your assertion that he started from rock bottom and was entirely self made is far from an accurate representation of events.