I agree with you. Although it is very ideal that we can all be lucky and suddenly be millionaires it is just so impossible and very unrealistic. Hence, instead of just daydreaming about such unrealistic things happening it is better to act and do something that will help us get at least the goal we've been aiming for. There are just people who are more fortunate than others even in terms of luck, like winning the lottery, hence it is very unreliable and stupid to just rely on that. If we really want to be successful and have at least a good guarantee that it will happen we need to do something about it ourselves like working and investing, as well as improving ourselves every chance we get.
Daydreaming and dreaming without trying to make it happen through effort is very futile because in the end there will be nothing. In terms of achieving success, there is no exception for everyone who must continue to make their own efforts to make their dreams come true in their life, because success does not come automatically to everyone, even though everyone can hope for luck in their life. But it is always uncertain when it will come so everyone is always willing to try if they want to be more successful than others and I think this is no exception.