One sentence to clarify the difference: children from poor families and children from wealthy families.

Both earn 5 million, but for children from poor families, it's 5 million for a family; for children from wealthy families, it's 5 million for an individual.
During the New Year and chatting with relatives, a relative mentioned a friend's child. The family invested 1 million to start a business. The startup failed, but the parents didn't criticize excessively; they just asked him to reflect and find the reasons. That 1 million was just the first trial-and-error cost.
Because the family provided enough opportunities for trial and error, he didn't blame himself too much. He focused more on analyzing the reasons for the mistake rather than obsessing over money.
And what about children from poor families? They earn money themselves, walking on thin ice. Once they make a mistake, it's not only hard to turn things around, but they also face more criticism.