Well, I, for one, do believe that it's 90%, if not more, privilege and/or luck. Yep, I might sound like a left-wing pinko commie (I'm actually not, and may even be a little right of center), but even the good choices and decisions we're all proud of can't necessarily be made by the underprivileged. Here's a video I believe EVERYONE should watch someday: Life of Privilege Explained in a $100 Race - YouTubeYou're basically saying the poster you are responding to, it can't be that he/she worked hard or made tough decisions, any success someone has can only be a function of privilege and/or luck. While at the same time, when someone does not succeed or struggles, it's "the system is broken"! So to summarize your logic, a successful individual shall receive no credit and someone that is not successful and/or is struggling shall receive no blame. Interesting logic.
If you think you're responsible for your success and wealth, my first question is "what did you do to be born in Canada"? (Please don't be pedantic if you weren't born in Canada or aren't there now - rephrase the question based on your situation.)
I consider myself to be an extremely fortunate person, and even I don't think I realize often enough how much privilege and luck I've had.