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In short, no one divides people into layers, people themselves refer to one or another layer of society, and this is not necessarily a criterion of wealth.
There is also religion, education, place of birth and residence, and other aspects that contribute to the selection of certain “groups of people” connected by a number of common properties.
It is difficult to operate on each individual person, to understand their needs (for the state, for example) and opportunities (for business), it is easier to aggregate people into groups based on certain characteristics and work with them.
Understanding what needs and goals are pursued by different groups of people, what maximum limits of operation are available for them (for example, the average income level) – you can plan certain state programs for the future, knowing the rhythm of resource (service)consumption for businesses – to segment products more clearly in the market, plan sales and ensure demand in the context of different levels of consumption (quality/cost/availability).
But there are still other reasons, there is one grain in all of them – all people are different with different abilities, starting resources, ideas, luck and ambitions, and as long as this is the case, there will also be layers of society.