Maybe success is a combination of factors like birth, hard work and luck? I am always frustrated when people want to reduce an issue to only one contributing factor.
Yeah, but intelligence, beauty, work ethic and all those other things are inheritable. We can (as always) separate the causes of financial success into genetic and environmental traits. The entirety of one and most of the other is determined at birth. The rest is chance.
By birth you mean: sex, race, physical attributes, etc?
Correct: sex, race, looks, parents, place of birth and so on