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Are people relegated to a predestined way of life that they can never rise above?
YES, YES, YES!
350 million people in North America. 400 Wealthiest people (probably in the world). Thats about a 1 in 1 million chance to be there (after you factor out corruption and aristocracy). Also, you say half didn't go to College, then that just shows how our society pushes higher learning to raise quality of life, but life for whom? Probably some of those same 400, considering people are left with a great amount of debt after they get out of school.
Mathematically, Foreclosure and Bankruptcy are necessary parts of our great system and must happen to some people, kinda like musical chairs.