In general you do need a level of IQ to make it from nothing to become rich. But I think in life tough, eye opening experiences is really what evolves a person, and most people don't have such level of experiences. They could technically have a high IQ, but still be ignorant. So in that sense I do believe that luck does play a sort of a major role, because smart or dumb, 99% are ignorant of life. In particular if they were born rich.