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Maximizing your chances doesn't just come from attending one of a handful of schools. With this generation's college turn out, the amount of "first rate" institutions is growing quicker than anyone predicted (mainly because the original "top schools" don't have enough space to admit all of the talented students that apply). Plenty of grads from my high school got admitted to top LAC's and engineering schools, but went down to UIUC instead (why pay $50k/yr when you can get the same degree cheaper, and just do the grad work there later).
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I agree with the above. A lot of colleges become more selective not just the top colleges.
But I think low-income students do benefit the most from attending top colleges. I think not only the tuition is free for most low-income students but college is where low-income students get to interact with different people who might not have had a chance to meet them before. For example, people who can't afford to travel and meet different culture and different people, then college provides an opportunity to meet different people of different culture. While people who can afford to travel on their own money, already have the opportunity to meet and interface with different people before entering college.