Romney. Even if Obama was upper-middle class when he was growing up, he never had the sheer wealth and prestige of Romney. That immense wealth insulates him from regular people, and so makes him out-of-touch.
Wealth doesn't insulate one from regular people. Or even prevent one from being a "regular person".
But extreme wealth does
help to insulate a person from poorer people, even if a few wealthy people understand full well the lives of those poorer than themselves. Especially the rich who are born into wealth, like Romney. That can't really be denied.