Realizing it all depends on you is the easy part, actually being able get past it is hard. Luck plays a large portion on whether you become rich or not. For example it'll be easier to become an entrepreneur in America than in many 3rd world country. The community you are born into for example also depend on luck, since it provides you with your initial network.
Then we come to the personal part, like do you got the disposition to be interested in something that would become profitable later, hence becoming one of the pioneers?
Some people have advantages and even have better opportunities to grab but things don't end there. Having the perseverance to change our path still relies on our hands. We're the ones who can make a better change by searching for opportunities to earn. It may be hard at first but if we have the willingness and courage to change our fate especially if we're from a poor family, we must be fully motivated to stand firm and do the best moves for the betterment of our lives. We can't rely everything on luck if we're not going to have perseverance.
Due to the different circumstances in which each one of us is born there is also a big difference between the amount of opportunities that we can get in order to improve our lives, so those that born into better circumstances have more and better chances to improve their lives and go through a financial breakthrough, but that doesn't mean that those that have less opportunities cannot reach the same results, it is just that they are going to have to work harder in order to do reach that goal.