Your first sentence is selection bias. Of course, successful people look like they "just have it". Once you have succeeded, convincing investors to fund another opportunity is far easier. The real question is how to succeed in the first place.

Having the right connections helps in getting funding. If you went to Stanford, your network would have many connections that are able to invest 5M. If you are raised in the slums, you are far less likely to have these connections, regardless of your genetic background or personality.