“Families with limited means may be more likely to want to put what money is available toward other expenses early in a young adult’s life.
At 18 or 19, for example, someone might want to use the money for education, training or other expenses involved with transitioning into adulthood. At 30, someone might want to use the money for a down payment on a house.
…
children from higher-income households could be more likely to receive ongoing contributions as children into Trump Accounts and remain invested well into their 50s. As a result, the shot of building wealth is greater for those with more wealth to start.”
https://finance.yahoo.com/markets/stocks/articles/parents-dreaming-big-trump-accounts-090632229.html