Actually I think if you go back through our last several Presidents, most of them come from fairly modest backgrounds -- the Bush clan excepted. Everyone else is pretty meh, until JFK. Then you have to go back to FDR. Beyond that, I lose patience. But Truman, Eisenhower, LBJ, Nixon, Ford, Carter, Reagan, Clinton, and Obama all range from "middle class" to "poor" in origins. (Carter seems one of the better off; "prominent businessman" father.)

By the time they run they may be wealthy -- Obama could have retired on his book alone -- but childhoods, no. "Anyone [male, and formerly white] can grow up to be the President" has some merit to it.

As for the campaigns, http://www.electoral-vote.com/evp2012/Pres/Maps/Sep19.html#item-3 says Romney isn't spending his own money this time around.