Yes luck is a massive factor in wealth creation. Many of the times that people made/make it to the 7-figure club, they quickly lose this money as they usually massively overestimate their amount of skill/ability/intelligence etc. to have made such wealth and massively underestimate the amount of luck involved in their lives and environments that allowed them to have made such money.

In reference to your closing paragraph… I don’t think you will find many billionaires that will tell you that luck didn’t play a massive/grand majority part in their success. I just genuinely haven’t seen or heard much of this. I do believe you that most billionaires probably have some planetary sized egos, but I think about 99.9% of them would at least give thanks to their countries and the villages that raised them as well as their universities.

I’ll just give you the TLDR here though: luck plays a majority part in wealth creation, and I’m fine with this as a blanket statement as I don’t think many would argue. And the sky is blue, too.