If you want people to continue to take large risks, you need to offer them good rewards if they succeed, and/or reduced downside in the case of failure.
Is this what you think drives people like Jobs? The guy who had billions, worked relentlessly, and died of Cancer at a fairly young age?
How would you disprove this belief, short of an alternate-universe device?
To me, it feels a bit like saying: "There aren't that many apex predators, therefore Leo the Lion must have incredible intrinsic properties"... Ignoring the fact that the local ecosystem doesn't allow that many contenders in the first place, and overlooking how many baby lions Leo kills.
The ability to kill all your other competitors does imply something about your intrinsic properties. But I don't think that's very apt in this case, Musk and Bezos aren't intentionally killing lots of competitors in the cradle. The ecosystem comparison might be a bit more apt, and there are certainly a number of people who are very driven and long-term-focused who never achieve the same heights, because you can only have so many megacorps in each field. But I think those people that don't achieve the peak still end up much better off financially than pure luck and circumstance would imply.
I was mainly arguing against the sad-sack sour grapes tendency I've noticed recently to say that very rich people are just luckier, and are no more deserving of their status than anyone else. That is, frankly, bullshit, unless it's inherited.
That's not to say we shouldn't strive to give the educational and financial resources for everyone the opportunity to thrive, I certainly think we should do more there. Bolstering our state university system so that it once again offers everyone the chance for a very cheap high quality education would be a great start.
It's a constant (and often un-examined) uphill battle against stuff like the "hot hand" fallacy or fundamental-attribution-error.
That's why I feel the default assumption should be that they got there by chance rather than that there's some kind of narrative cause we find instinctually pleasing.