I read these threads regularly and the only thing that I can think of to say is why the hell do people care so much about what other people think or do?
Everyone I know works hard. Rich ones, poor ones, able ones, disabled ones, they all work as hard as they are able to.
Some people get where they are because they work hard and take risks. Some people get where they are because they work hard and seize every single opportunity they find. Some people get where they are because they have money and family connections but the majority still work hard.
By the same token, some people stay where they are because they don't take risks, seize opportunities, don't have family money and connections, but they all still work hard.
It's not just privilege, it's not just how hard you work, it's not just luck. It's a combination of all of those things with personality thrown in.
I'm hard working, I'm resilient, I'm educated, I'm disabled (but only recently). I've had opportunities that could have changed where I am now but I couldn't be bothered at the time. I'm not a risk taker and I want a calm, organised life (which I have). I've had to be proactive to get where I am now but some people aren't able to do that either.
It doesn't matter. Having a chip on your shoulder about who has what and why is the biggest denominator for failure. The only person that matters is you because what others do and don't have does not have any effect on what you personally are able to do.