Everyone has a different path in life and way of achieving their goals. Working hard and honing your skills is certainly important, but it is not the only way to achieve financial freedom or enjoy life. What matters most is how we choose to live our lives and achieve our goals because everyone must follow their own path, as long as they respect the choices of others.
I agree with you, everyone has a different way of achieving their goals and that is why we can never be the same in life, seeing someone richer than you doesn't mean you don't know what you are doing or your skills are not enough to make it in life and also seeing someone poor doesn't mean that the person doesn't have any skills of making money in life, we can never be the same and that is why even when we work hard every day we can never achieve what we want in a single day, some people have a better work but whenever they have money or collected their salary they didn't enjoy it because they have many responsibilities that they will take, we can choose how to live our life but if care is not taking we can't even enjoy it like the way we use to live before, so in life, we have to see things like it is and try our best to have a good life.