Please see my comment here, I think it answers your question: https://news.ycombinator.com/item?id=50385037
Your anecdote about getting lucky doesn’t answer the question, sorry. Rich people have money to buy cheap assets when shit hits the fan, unemployed people do not.
It really doesn't. You could've bought any $1-5 stocks in that time. You happened to buy the ones that made you money.