Never confuse "class" with "money". Sadly breeding and a good education do not pay the bills. I have friends whose family once owned half of Leicestershire. They still live in a 'country pile' an inherited Manor house surrounded by beautiful land and lakes. To an outsider they appear to be 'loaded'. In fact they have very little money. They make money in various ways - letting people fish in their lakes; hiring the house out for big parties and wedding receptions etc. That money then goes to maintain and heat the huge house and maintain the grounds. The kids had a private education paid for by a Trust Fund which is now, sadly, empty.
I also have a friend who 'owns' four houses - all mortgaged - all mortgages paid for by his Tenants. One day, when all of the mortgages are paid off he will actually 'really' own the houses.
I am not for one moment suggesting Raef is destitute. He may very well be rich. However, appearances can be deceptive.