I have seen people who were born rich but lost all their money due to incompetence. In my opinion, money and skill are connected. People without money tend to lack motivation. Keeping both in balance is very difficult. At the very least, we need some money to be creative.
Some people don't know what it takes to build a wealth, it can take them just a minute to blow up money that was built for years. I have a friend that was working for one wealthy boss, the boss if from a rich traditional ruler that had the support of the federal government but he was a drunkard. He doesn't care about the business his dad was running, he was doing that until his parent pass away, the business didn't even last a year before it was closed down later.
There are some people that don't taste small suffering, like all their life's has been all about sweet life and believe me, you will be surprised how intelligent and reserving they are when it comes to how to handle business, they don't joke with financial and they don't spend recklessly. If you see the kind of cloth they were, you will know they cherish classic things over flashy lifestyle that will not give them anything, they see the things as financial mistakes.