In my own opinion, I do believe that we can determined it by the ability of the a person. Many people were became rich just because of their abilities. Yes I do believe in chance, Of course if you have a chance you should grab it. Some people also used their intelligence to become rich.
That is true, some people are becoming rich because of their abilities not by intelligence. But it is just a plus factor that you are a skilled and a intelligent person. but chances? yes I do believe in it, If you have it then grab it.