The statement that accurately describes the characteristics of each government type is:
"Oligarchies and monarchies had a ruling class that presided over the people and made decisions while democracies relied entirely on the people."
This statement correctly identifies that both oligarchies (where a small group has power) and monarchies (where a single ruler or royal family has power) involve a ruling class that makes decisions for the populace, whereas democracies are characterized by governance that is responsive to the will of the people.