Even the rich (not the super billionaire rich), yes they had luck but there is definitely more. Like I work as a freelancer in software development. Lots of people I have worked with are smarter and more talented than I am, but I still make more money. Because they never took the risk of going freelance and keep working for a company that takes halve the money a client pays.
Some people just don’t like to take risks
These super rich people usually took big risks, worked for almost free for a while until it started to pay off. Of course for every billionaire there a 1000s of people that took the same risk and completely failed.