"By dismissing your comfortable lifestyle as the result of “hard work,” you insinuate that those who do not share your lifestyle are not working hard."
I'm not sure they all do that but what they definitely do is forget about the leg up their middle class life gives them.
Extra-curriculars or extra tuition to help with that college application? 'Help' around the house to allow less time for chores & more time for homework (or extra curriculars)? Friends of friends from the middle class circles to help you get that internship, first job etc.
The list goes on.