In the past I would have opposed the OP's idea but having been in the business world long enough and gotten the opportunity to interact with multimillionaires I agree with your argument. One of the richest men in my country came from a generation of industrialist who thrived on monopoly. They lobby the government and crush whatever competition they face. He is rich in billions of dollars and luck played a role. How? First, he came from a very wealthy family which served to position him to achieve success in business. Second, he is lucky to always have the government on his side against competitions.
Yes you have point there are some people who jnherit success like money and bank balances they don't have to work hard for that and life is a piece of cake fir them. They are born with a silver spoon in their mouth but there are few people who have to earn everything on their own they are self-made people who works hard to achieve everything in life .
So both the cases exists in our world and we experience many cases but they question Is who are the good ones those who got everything in their plates or those who worked hard for everything?