Everyone gets to complain, you don't have a monopoly on it.
> when you're among the wealthiest...
Not everyone that is wealthy won the lotto. Some people actually worked for it (took risks, worked harder, etc).
> How about when you are the among the ones that took the most risk in life, the ones that worked the hardest
Ah, the just world fallacy and survivor-ship bias all in one. You didn't work the hardest or take the most risks, far more people who worked harder and took equal risks didn't get lucky.
The formula for success has more than the single variable of luck in it. Luck plays a part, but so does allot of other variables.
That's a straw-man, I didn't say it's "just" chance and it's called a fallacy, not a narrative, and it's a fact, not false. It's a cognitive bias all humans have to attribute their success to their own efforts, and that's what's false.