Agree for software people, agree for middle class people with no children. Vast swathes of the population are not included. 30% of the population has less than 10k in net wealth. Think someone with a mortgage but no equity(or even underwater) and no assets. For this person, money is a very key issue since they are one non-emergency medical issue(cancer, heart disease, diabetes) away from death assuming they have insurance. If they don't have insurance, they will die if they develop a medical issue due to lack of ability to pay for their treatments or medication.
For those with money, don't forget luck. Also don't forget timing, but I repeat myself.
The money thing comes into play for the lower 30% of the population which has 10k to -infinity in net worth. Here's a tip: price out some business plans, then look up the percentage of the US population has enough net worth[1] to fund or convince a bank to fund their plan.
