Yup. That was more or less my response when this sort of bs was handed down to me in my teens. In short, "luck" doesn't matter if you're not able to act on it. Sure, being prepared is necessary, of course, but being able to access, much less afford said benefit(s) is absolutely essential —to the point of nullifying said "luck" completely if you can't. "Meritocracy" my pasty ass. 🤬😓