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.
For me, what you are saying is wrong. You see, a kid is being found to have a talent or a skill into something and parents will finding a way to improve their childs and that is why I am saying that you are wrong.
Before it becomes an ability or a skill, you must have a knowledge about that thing because sometimes we knew something that we thought we are better at it and we immediately immersed ourselves into that without really taking our time acquiring knowledge about it. For example, friends say that we are good in playing games so we join competitions because they said that you are good but you do not know that there is a lot of other players that are using their skill and knowledge the reason they are better than you. Those two is important because without the other one, you will not be able to improve yourself.