I don't completely disagree with you, a good start in life and tons of money doesn't guarantee you future success, but luck alone doesn't pay the bills either, that takes money.

You can have a great viable market and if you don't have the money to build the widgets, you are stuck pounding sand.

BTW if Wozniak hadn't met Steve Jobs, he might have spent the rest of his days working at HP, being one of hundreds of brilliant engineers nobody has ever heard about.

Woz is many things, but he is not --and was never-- an ambitious corporate leader. Wozniak built the Apple I and Apple II but it was Steve Jobs that built Apple Inc.