I think he designed and engineered his own rockets for SpaceX...at least in the beginning stages when no one would leave NASA to come to SpaceX. My understanding is he didn't get a penny from his Parents for school or to start any business ventures. So, he might have been born into a wealthy family, but I think its a discredit to his hard work and brain power to attribute his success to a well off family.
He got lucky during the dot com boom, developed early in the online banking game, got bought out by Ebay and has used the wealth created there to get where he is today. Not knocking the dude for his work ethic or his products, just saying he's not the droid we're looking for.
None of the ultra-wealthy are. Neither are the politicos who bow to them.