True, only to a point.
I knew someone who became homeless because the were unlucky enough to develop schizophrenia. They couldn't hold a job, or hold their life together without a lot of help. The assistance they got from the state was not enough to save them from dire poverty. One bad thing led to another.
So did they not work hard enough?
Another person I knew was kicked out of their parents house when they came out as trans. They were thrown out of their house as a teenager with no money and no relatives to turn to (all the relatives were deeply religious and believed that 'tough love' would make her change her wicked ways). She found work, and eventually got a place to live. But with poor education, and being a social outcast, she could only just make ends meet. It left her vulnerable, and subsequent boyfriends, "friends" and roommates would take advantage of that.
Now you can say these are edge cases. I agree. And for most people, the "hard work" advice pays off. But realize how smug it sounds, to proclaim that all you need is hard work, when some people do everything they can and still get stuck.
Perhaps true, though working-smart and being affable/networked seems more important than grinding. Still, IME, that variable amount of luck is tiny relative to ‘starting luck’, or straight blind luck.
I think it is fair to say that luck ‘compounds’ like interest. Being in a good position generally confers more frequent and higher-value opportunities to get into a better one. Getting lucky early is very important, and the earliest luck you can get is the circumstance of your birth.
Or luck is required, but not sufficient for success. You also have to put in the hard work and be smart.
Put another way, you can't win if you never get to play the game.
The world no doubt has a bunch of self starting geniuses who are trapped in poverty in some third world country and will never amount to anything. It's an enormous waste of an incredibly rare resource.
So did they not work hard enough?
Another person I knew was kicked out of their parents house when they came out as trans. They were thrown out of their house as a teenager with no money and no relatives to turn to (all the relatives were deeply religious and believed that 'tough love' would make her change her wicked ways). She found work, and eventually got a place to live. But with poor education, and being a social outcast, she could only just make ends meet. It left her vulnerable, and subsequent boyfriends, "friends" and roommates would take advantage of that.
Now you can say these are edge cases. I agree. And for most people, the "hard work" advice pays off. But realize how smug it sounds, to proclaim that all you need is hard work, when some people do everything they can and still get stuck.