The gap among different social classes in the United States has long been about more than just earning more or less; it's about whether the asset channels are open to you. The core allocation for the top and upper-middle classes has always been corporate equity and stock funds, with assets growing exponentially along with the stock market and tech cycles;

Middle classes can barely access pensions and some financial assets, but they are already heavily dependent on market tailwinds; once you fall into the lower-middle and lower classes, asset structures quickly degrade into real estate and durable goods, making them highly sensitive to economic cycles; and the lowest class is almost completely excluded from the capital appreciation system,

relying only on cash and low-liquidity assets to barely sustain themselves. The result is that while the US stock market hits new highs, tech companies expand, and financial assets swell, for many people it's just news; for others, it's real money. The so-called American middle-class anxiety is not fundamentally about a lack of effort,

but about your position determining whether you can participate in the capital game. In the coming years, as long as financial assets remain the core of growth, this structural divide will only continue to widen, not narrow.