As yet there are people who break schemes but they  are counted,for ordinary people(Understand the correct way to refer to commonly,average,most of us)  it depends on each person, for example if you ask the  wall-street wolf probably will tell you that none is forever, others will tell you that skills are more needed, others that luck is only necessary.As you can realize there will always be different points of view.The same is true in ball games, of course the match result depend on a team most of the time, but this team needs at least a scorer with own skills, but it turns out that sometimes in certain clinchers the scorer fails, and you ask what happened here? and everyone says: failure luck.