What actually makes people to become rich is money.
When you have money you can own anything you want, but based on my opinion, 100% of those that do not have any of those things you mentioned earlier and they finally have it as their own, it's either luck or they have finally discovered the secret to success. And it's very hard to depend on luck because depending on luck is like staking your hope on what you are not sure about. But as a human you need hope in life, it's only those that have lost their hope that gives up at their early or old age. Even though you have no hope find a way to give yourself one because there's no excuse in been poor.
Nowadays, we go to school because we believe that after graduating from school we will find job that could give us a better life. That's probably hope.