These lines of reasoning (it's talent/money, not work/grit/focus) appeal to those who don't want to take responsibility for their own success or failure.
You see this all the time with rich people. They're the kids of even richer people but yet still are "self-made" who "started out with nothing" and did it through "hard work."
You also see plenty of success stories of people with much humbler beginnings say that.
Which you choose to focus on is either going to motivate you to work hard or be an excuse to not.