Millionaires often worked for their money. Billionaires often worked for their first millions too. Problem is, difference between a billion and a million is about a billion.
On the other side of the argument, the amount of people that work harder and smarter than any given billionaire and have nothing is simply staggering. If it wasn’t down to luck, they’d all be billionaires.
So yeah, it is dumb luck. Randomness is not uniform, and someone ends up being close to the time and place of a local spike.
Please reflect on the fact that until you joined the discussion, we didn’t talk about equating success to luck.
Afterwards, you will likely notice that your jackpot argument reinforces mine.