But who holds the purse strings?
Yes the RF can work; but would they have the jobs they have if not for their royal status?
Possibly, maybe probably not in some cases. On the other hand there are plenty of jobs that can only be done by those who are fully qualified/capable. There may be members of the family who might have wanted to be a vet or an academic or a pianist or a commercial pilot or a dentist or an opera singer or whatever. Plenty of occupations can only be entered via merit/ability.
Obviously being related to the monarch will confer some advantages but you still need something about you to succeed. Lord Snowden almost certainly got his start in life because he was the Queen's nephew but his reputation would not have grown as a furniture maker if he had not also had genuine talent. Zara Tindell is another example.
Plenty of people in plenty of countries get a leg up from their famous families. It might not be fair but it is what it is.
I think it's unfair to expect someone to be denied what they want to pursue in life just because they happen to be born into the royal family, no matter how close to the throne.
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