without money, you cannot access quality educational resources, and vice versa if you are fully educated, you will have more opportunities to make money
No, not just because you don't have money doesn't mean you cant afford educational resources, just look on the students who become successful even they belong from poor family, its because of the hard work that they give, they do hustle or look for a way to gather educational resources even they cant afford it. There are also public library that offers free access to different subjects.
Why prodigy kids often came from poor or average income family ? How come people with excellent grades study in universities for free or have huge discounts? It sounds absurd then, a person is obliged to be rich to become more educated than others. What about inventors, scientists? They dont look like to be the richest people on earth, yet their IQ and educations is greatly higher than the majority of people on earth.
Your words can be rephrased as "poor will always be poor, rich will always be rich". But a person can go to public library, take books for free, study them, become smarter, go to university, get scholarship, create, invent, discover something, become rich. For that strategy to work, all a person need is luck and be hardworking.
After all the hard work that you give, it will pay off right after and your problem about money will slowly fade away as you start earning it because of the effort that you did just to finish studying.