For us in the the lower / middle class, the best we can do is prepare as much as we can for the day we encounter luck or opportunity. No amount of preparation / commitment / training guarantees success, but we can't afford to be fatalistic about it.
I do agree that we need to be more empathetic with those who haven't succeeded though. People tend to assume it's due to some personal fault rather than accounting for the luck / opportunity aspect. Humans tend to think that when they themselves fail it's because of outside forces they couldn't control, but when others fail it's because of internal forces they could have controlled.
Also agree, failure is complex and society has been known to sweep people under the rug.
To be constructive: Here, enjoy G.K. Chesterton's wonderful and funny short essay The Fallacy of Success, which I think agrees with you. I'd love to be able to write so well, but...I'm not him.