I have also seen a lot that people achieve success not only because they are someone who has high insight. Even the luck factor also plays an important role. or also like someone who has special skills also sometimes achieves success faster. For example, in the celebrity world, sometimes beauty and good looks are important factors for becoming famous and being successful. But still, in all fields, of course, we always need insight to make it easier for us in that field and get success faster. but there are also many other factors not mentioned.
You are right that luck also plays its role in someone becoming wealthy because we can see a lot of times some people don't work hard but they manage to get a lot of money out of nowhere or for something that they try just casually, while on the other hand, someone who works really hard for running a business, gives all the time and dedication to it but they eventually fail and their business doesn't earn enough revenue to sustain it.
The same thing happens with educated and uneducated people, there are a lot of uneducated people with very successful businesses and there are a lot of highly educated individuals who can't even manage to get a job with a reasonable wage. That is how life is, it's sometimes unfair and we can't do anything about that.
Well, that's what I see a lot in my surroundings. But in the end it is someone who does not give up with the circumstances in which he is living who will meet success. And those who give up too early are the ones who will eventually lose and be unable to achieve success.
Luck, Insight and tireless work are all we must have. Even though luck is also not in our control, still, because we don't know when luck will come to us, we must always be prepared to welcome it, namely by remaining consistent in our efforts to achieve success.