Swimming versus. Money Management

I was thinking about how people managed their money and I came up with this analogy:

1. The typical people who are trying to make ends meet are just heads above water. So, you can consider them as swimming (or struggling). Those people who are always in debts are below the water (i.e. almost dying).

2. Those people who are rich may have half the body above water, but they can't control the tide. It's the ultra-rich people are effectively standing on water. They are not affected by the tide (i.e. economy crisis or anything), simply because even there is a huge event on them, their fortunes will still enable them to be above the water. Or perhaps, they create the tide and have the ability to change the tide!