Edit your title to the correct spelling please.
Personality > environment in determining a persons success. I had an easy upbringing too. I saw kids with an equal platform to jump from fall flat on their faces and I've met super successful people who came from hard knock pasts.
Never look a gift horse in the mouth. Take it, make the best of it and leverage it to have more of whatever it is. Any smart person will tell you this. A gift is a gift. Turning it down can be hurtful in some cases too, like you are just too good. It's not the intent, I know, but it's how it comes across to many people not in your shoes. Let them have their pride.
It's great to be your own man, the pride that goes in to building a life of worth, materialistically and otherwise is fantastic. You still shouldn't look a gift horse in the mouth however. As long as you don't squander or abuse luck there is nothing wrong with tapping in to it. It's foolish not too.
Again, upbringing is a poor excuse for failure. Somebody like Croc may be absolutely driven by avoiding the life he was born in to. Someone like you is too, you don't want your quality of life to drop. Same motivation even if a different source. The "drive" or lack of is what makes some people win and some lose and most ride the middle.
A priviledged life is not a hardship. It is a privilege if you are born in to it. You are born with a momentum you can choose to carry in to your own adulthood, or not. If you are a pussy or lacking the aformentioned drive and make poor decisions you will fail, regardless of your initial station in life.
At risk of being an "attention whore" for conversing on topic (jelly bitches) I did come from another angle than Croc. I came from the suburbs, never had a real care or worry, went to college and own a successful company. I was able to leverage resources very early in life as I left college with zero debt, was not tied down to "normal" life and all it's financial binding plus I'm really smart and ballsy.
I will most likely never struggle, I'm used to "winning" from grade school sports to leadership roles in collegiate organizations to an awesome job and now my own thing. I enjoy facing challenges squarely and beating them, always have. It's just me and I don't have a "poor chip" to overcome on my shoulder.
I have friends who had my same upbringing and just kind of scrape by these days too. It's all personality. Some people win and some lose, it's just how it is even though we all have the power of choice.