Anyone that thinks that hard work alone makes for financial success is an idiot.
You need luck, at multiple times in life, to go with your hard work.
If you don’t have the rights parents then you need the luck to have grandparents or schooling that can help that balance.
You need the luck to either have the chance for college or to find a job that will allow you further education or progress.
You need luck as an adult that your partner won’t turn violent, won’t leave, or die or have an accident.
If you have a disabled child you need luck to live in an area where there is support and a suitable school.
If you are born in the wrong circumstance, or or your circumstances go wrong then you need luck that people who seem to think everyone who struggles is someone lazy and feckless hasn’t had too much sway on the welfare legislation.
Hard work is not the biggest equaliser. Luck is.