Your bargaining chips in terms of valueable knowledge and skills are still low class. You're still bargaining for your meal and shelter.

if you have skill and knowledge that others don't, but others need, then you can bargain for your meals and shelter very efficiently - so much so that there would be left over money.

Your analysis is wrong.

The people with connections and serious money do not meaningfully compete against their own class (at least, they ensure that their intra-group competition does not benefit anyone outside their group). The people with skills, knowledge, and work ethic have to compete against the whole world.

It is not a symmetric or fair exchange.

You're making a broad comparison between the Marxian classes.

But within capitalists there is also always the noveau riche and the old money.

You have to be self aware of that dynamic. Because playing off old money vs noveau riche is as essential tool of the proletariat.