People who are good at making money make more money. Yes, it's tautological, which doesn't make it untrue. People who are good at scoring the basketball get a lot of points. People who are good at cooking make delicious food. I think you're questioning whether someone can really be good at "making money", and the answer is yes. Money follows rules and laws that appear random to those who are not skilled. Just like some people might not understand the laws of electricity, making electricians seem like wizards. That doesn't mean the laws don't exist. And those who understand the forces behind money are able to take advantage of them, like a surfer uses the force of a wave to propel himself. Effortless. The wealth just seems to find you.
Your second point is accurate, but not really a rebuttal.
You miss the point. Itβs vastly easier to be successful at making money if you start with a lot of it, and vastly harder if you start with nothing.
A few very unusual people in each generation start with nothing and become billionaires, but for most of the population a running start will get them much further towards a comfortable life than almost any combination of luck and talent.
This is a problem, because many of our social myths suggests that the most reliable and predictable way to become richer is through hard work - and therefore rich people are more socially valuable than the poor, who stay poor because of laziness.
When you say that I miss the point, that usually means the true disagreement is over what we're talking about. Like I said, you're talking about the power of compound interest, economies of scale that encourage pooled investing, and other systemic effects. And you're not wrong.
What the OP was pointing out was that, there are people who understand money and people who don't, and that plays just as big a role as having wealth (see lottery ticket example cited in sister comment). I think I've demonstrated I understand your point; do you think you really understand that one?
Also,
> the most reliable and predictable way to become richer is through hard work
Do you know a more reliable and predictable way to become richer? It may not be fast and it may not be fair, but in a capitalist society, I believe it to be true.
Your second point is accurate, but not really a rebuttal.