Not everyone has those advantages, but many people do and never get rich.

That would suggest it's much more than just luck.

I'm not saying it's all luck. Hard work is important. Luck is also important. It's pointless to argue over which is more important in my opinion.

However, a lot of successful people (including the person I was originally responding to) downplay the role that luck plays and exaggerate the role that hard work plays.