We're all born with a set of skills, resources and obstacles. The size and quantity of each varies wildly- unless we're to believe that by the age of 30, someone born in Uganda and stolen into Kony's child army will be on roughly equal footing with a western kid who throws a tantrum over getting an expensive car in the wrong colour.
Some of us are born with severe disabilities, others are born healthy and with private heath insurance.
Some of us are born with an abusive parent (or two), others are born into the kind of family that will do anything to support them.
Some of us end up going to over-crowded schools with under-qualified or over-worked teachers, others go to the top private schools in the country and learn from the best.
A vast multitude of factors have a huge say on who we are, where we end up and what we take with us, even before we've matured enough to take a measure control of it for ourselves- assuming we get what we need to do that.
By the time you started understand how the game works, you already had a lot of dice rolled for you and you're stuck with the results- all you can do from there is whatever options they now afford you.
A lot of people work very hard for what they end up with after that point, and a lot of people don't. Those people don't divide up neatly by how much they have (inversely or not).
The main skill you need to achieve anything in life would be your ability to milk whatever advantages come your way. If they do.
We all like to think that anything we get, we get because we're awesome and deserve it, but in reality that was only a small part of it- much more of our lives come from a cosmic random number generator. And I hate living in a world where wealth is so dependant on that.
So I guess what I'm saying here is this: God plays dice with our lives, and it is on this we may either prosper or perish.