"Livin" works, but I think that "religion" works better.
It's a truism that the rich have the advantage in the here-and-now. Whatever can be bought, they can buy, including everything that can contribute to the extension of life. Since it is a truism, there's no point in using "if" to express hypotheticality.
However, if religion=salvation=eternal life, then the full force of the hypothetical "if" comes into play. If eternal life is purchased with the same coin possessed in abundance by the rich, there is no hope at all for the poor.