Dumb luck? What is dumb luck? So the wealth differences between a high school drop out and a college grad can largely be attributed to this "dumb luck"?
It's "dumb luck" that my parents were middle class instead of drug addicts, it's "dumb luck" that I was born and raised in the USA instead of a place without electricity and running water. It's "dumb luck" that I was raised somewhere where the walls weren't poisoning me with lead during my child-hood. It's "dumb luck" that I wasn't raised in a ghetto where the only kind of success anyone knew about was in joining a gang or leaving forever.
Dumb luck is also being born into a family where you'll inherit millions of dollars, but tell everyone you worked hard for it.