I don't think any MP can 'empathise' with struggling families once they are no longer struggling themselves, and their status as MP's instantly removes them from the 'struggling' bit.
I always used to gripe about the fact that MP's were, from day one, given free first class rail travel from their constituency to London, which instantly removed them from the experience of any of their constituents, aside from those who work for a train or rail company.
But I don;t believe it is necessary to have direct experience of anything in order to have an understanding of it, and a knowledge of how to deal with it.
As I often cite as an example, I write knowledgeably about musical instruments, and talk to high-level professionals about them in detail, without knowing a single note on anything but a piano.
Likewise, theatre critics do not have to have been actors - the list goes on.
So I would not criticise Mr Sunak for his upbringing, which is an accident of birth, or his attached wealth, which is personal circumstances.
I would however criticise him for his statement that he wants to 'sort out the economy ...' which clearly implies that he needs to take over the mess the economy is in from whomever left it in that mess, when in fact he has been Chancellor for two years, so any 'inherited' mess to sort out' is entirely of his own making.