Your system has a flaw from my perspective. It ignores the effect of wealth on capability, especially in youth. People who are already less "exceptional" - say, mentally challenged - would stay poor through factors outside of their control. On the other side, people who are "exceptional" are most commonly so because of the benefits wealth brings, so the way i understand your system, it will cement the status quo - the rich stay rich because of virtue of being rich, the poor and uneducated stay poor because they are poor and unremarkable.