Personally my take on that is yes, it is not determined by intelligence or talent, a bit of chance I can say but mostly it is about your attitude and determination that would make a big difference. It is not just your way to be rich but to be successful in life, I believe that the definition of success would mean different things to different people, so I believe it is all in our hands, what you did and how you did things would determine where you will be at by being motivated of the why you did it.
I think Most savvy people know what to do for the best and some of them prefer to leave the rich dreams to serve people to make a better world to live, very different when you are an ambitious person, you know chance and take whatever the consequences, just hope to have as much money as you can, which I personally do not move smart ideally.
Yes actually it should be done like that, otherwise this would sound like getting rich just about lucky or not.