@TheLethalCarrot Giving
someone a million dollars at birth is the real world. Giving
everyone a million dollars at birth — assuming a million dollars means what it does now (probably more if the story was written some time ago) — is SF: an imaginary society, probably in the future or another world, probably some kind of utopia/dystopia. Besides, I"ve read a story like that, and by my recollection it was definitely science fiction: set in the future, with future technology, published in a science fiction anthology. —
user14111 14 mins ago