A lot goes into it, and luck is a major factor. But it also requires some intelligence and self control. How many athletes just lose tens of millions of dollars simply because for reason they can't stop spending it?
I don't think so, because for me success is a thing that needs thorough effort and action to be achieve. Intelligence and talent plus hard work are a must to become rich and not by chance. If you are dependent with luck and doing nothing, being rich is rarely be achieve.
Yes I do agree with your thoughts, let us not tolerate and rely our future with luck or by chance. It takes effort and motivation. Talent and intelligence are can be the greatest bullet to acquire success in life.