I have long said that if we look at typical success stories somewhat soberly, it is always a combination of luck and privilege. Hard work and talent can be very helpful, but they are in no way a prerequisite for success.

To illustrate: Whenever someone says "taking risks must be rewarded", it is always worth pointing out that you don't get rewarded for taking risks, but for getting lucky while taking a risk. Also, you have to be in a position to take a risk in the first place (i.e. have time, resources, and the means to not starve if it goes belly up); in other words, some degree of privilege.