The quality of information varies completely across different social circles, especially in financial information, which also leads to the phenomenon of the rich getting richer and the poor getting poorer.

In low-income groups, financial information within their circles mainly involves lottery, gambling (sports betting), online loans, and speculative investments in junk coins—luck-based gambling. The slightly better options include bank wealth management products with risk of default and various private "pension insurance" schemes, or high-interest deposits at small banks, as well as A-shares.
In high-income groups, financial information mainly revolves around US stocks, especially low-fee large index funds like VOO, or US bond ETFs, or Bitcoin, with the worst being some foreign bank dollar fixed deposits.
Even if both groups only have 300,000 yuan to invest in property, the difference in the quality of information they access alone can cause the assets of the former to continually shrink while the latter keeps getting richer.
This phenomenon is also known in economics as the "Matthew Effect," which mainly describes the "the strong get stronger, the weak get weaker" phenomenon.
"To everyone who has, more will be given, so that he will have an abundance; but from the one who has not, even what he has will be taken away."
— Matthew 25:29