Can't speak for you, but I'm really damn lucky. I won several very important lotteries:
Lottery #1: I was born in a rich first world country...in my case, the United States. Had I been born in Yemen, or Syria, Somalia, or many other places, my financial life would likely be very different. A lazy person born in a rich first world country will be wealthier than 90% of hard working frugal people born in a third world or war torn country.
Lottery #2: I was born above the poverty line. A moderately lazy person born above the poverty line has a higher likelyhood at success in the USA than a hard working person born below the poverty line.
I am also a man who happens to be white on top of that. For an example of what an advantage that is, look at who is running the executive branch in the United States currently. A person who behaved that way would never get elected unless they were both white and male.
I am a hard worker and natural saver. While I deserve credit for that, those two factors account for 10% of my wealth at best. The other 90% was from winning the lottery multiple times.
Maybe you aren't as lucky as me, but again, I can only speak for myself.