[Gpetrium]

Life, in most cases, is built upon all 4 points listed by OP with a varying degree of applicability. If magically, everyone decided to just accept 1 without doing any of the others, you would likely find society going down the drain or the few who attempt 2,3 or 4 with an exceptional return of investment.

I find it difficult to undermine all four 'kinds of luck' when you look at someone studying hard to get into a certain university, or you look at a foreigner deciding to uproot their lives to hopefully get a better life in US/Canada,etc or someone who decided to knock on every door to get their first client and hone their skills throughout that process.