The trouble here is that people don't become wealthy just because of luck. It plays a part, sure, but people have to play the game and know how it works in order to have even a chance of winning. The trouble is that many people don't even try because they don't know how to.

Becoming wealthy is all about making more money than you spend and investing the rest. Education absolutely helps make more money, especially if you are educated in an in-demand field. Then you have to develop the discipline to spend less than you earn and to know(learn about) how to use an IRA and save from an early age.

My personal finance class in high school was vital for this reason. While not everyone internalized its teachings, those who did have had significantly less stressful lives after they got an emergency fund saved up.