If 12clicks was born a poor kid in Africa he'd still have grown up to be a moderately wealthy, white has been in America.
Seriously folks, a shit ton of success is based on pure fucking luck. What family were you born into, what opportunities did you have, who did you meet along the way that loaned you some knowledge, etc. Hard work and street smarts can do a lot but neither guarantee you will make great money. Too many factors, way too many.
If you want to see the idiotic attitudes here in fast forward go keep an eye on hot shot poker players. They win for 6 months or a year and think they are so much smarter than everyone then those darn statistics kick in and you never see them win shit again. With millions of people fighting to be successful you will have some that can't lose on pure luck, some that are really brilliant, some that work hard and it works and most that get where they are from a combination of the three.
Even what Robbie says, true to an extent. But his millionaire ass is nobody to the billionaires that also think they are thousands of times smarter than everyone else. To them he is as poor and stupid as the guy working at McDonalds.
Standard deviation, look it up.