@talia_christine It forgets *sheer luck*.
i.e. The ones we see as billionaires are the ones who randomly got lucky. The investment paid off, the idea came at the right time, the risky gamble succeeded and they made a packet or whatever. We don't see the equivalent individual who's investment failed, who's idea was too early the risky gamble failed and they lost everything or whatever. i e. The equivalent same person but without the lucky circumstance. Of which the accident of birth is maybe a subset.
In effect we laud the successful as if what seperates them from the failure is acumen not random chance. And starting rich definitely gives chance a leg up.