Dreaming it will always be part of obtaining it because we do imagine having it but if you aren't doing anything that is 100% that you won't be having it because while dreaming you should also be working on it. This is like you always wanting to own a whole bitcoin but you don't buy a small amount of it.
 
Luck will not strike you if you aren't doing anything like winning the lottery if you haven't bet you wont win. Anything will come to you once you work for it.
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It takes consistent struggle to be able to realize what we dream of because without going through the process we go through then our dreams cannot be realized. If we have a dream then it would be better for us to try to achieve it and go through the process so that we can realize what we have dreamed of. You are right, we will not be able to get whatever we dream of without trying to go through the process that must be gone through and it will be more satisfying if our dreams come true after going through the existing process.