true, you are wise to say something like that. Talent does not work hard but working hard helps you gain skills.
I don't believe in innate talent either, i believe in qualities that you have, let's say, naturally, but if you don't develop them you achieve nothing.
luck doesn't exist at all, there's no point in relying on it
I don't know the reason for which you doubt luck, it is okay to not believe in certain things but do not completely dispute it because for some persons they do believe in it and it does work for them, there are situations where you know that ordinarily it would not have happened a certain way for you but you see it happening that way, for me I see that as luck playing out, and I would love to know what you see or call that, mins you I do not displace the part of qualities and talent with skills but there is also a room for something we cannot explain and that is what we call luck because it is not one we can explain.