People hear what they want to, to be honest. Most of the time, in my experience, people aren't trying to "cut down" successful people, they are just trying to show that it wasn't all skill and good decisions. Its a response to the idea that people who are successful, and especially those with financial success, are somehow morally superior to those who are less successful. This idea is pervasive, at least in the USA, and that's the context people are usually coming from when they talk about the externalities that lead to success. And honestly, if successful people don't recognize the luck that also went into their success, they become delusional.