While it's important to have the proper resources and a good character (mental mindset, determination, etc.), sometimes it also comes down to luck. You can have two individuals who have similar resources and are both hard working, but maybe only one will make it out of poverty because they were at the right place and time to receive a life changing opportunity. Perhaps having the right resources and character traits can increase your chances of having these opportunities, but luck also plays a role.
You are correct, luck sometimes plays a part in someone getting out of poverty, hard work does not guarantee that one will get out of poverty, we must have a positive attitude and confidence toward what we do. We see this every day, where people have similar incomes and are all hard workers, but just a few can get out of poverty, and that does not suggest that the rest are lazy, at times luck plays its part and we weren't created to escape poverty in the same way, and some are fated to be poor for the rest of their lives.
So, while there are indeed people who built their fortune through hard work and good investments, there are others who abused the system to collectively steal and got away with it.
But as they say, there isn't any quick way to success, and that is exactly what we do today people are eager to escape poverty at all costs. Furthermore, just a few of today's wealthy people build their wealth through good investments and hard effort, the majority are stealing and ruining the way things work. Because they think that's the only way they can increase their wealth, and corrupt behavior is growing every day.