This is false in two ways:
- Luck is not sufficient.
- Luck plays a larger part the larger the success is.
A moderately successful upper middle class person has achieved their position more through merit than Bill Gates has. As we go up the success hierarchy, luck plays more and more of a part.
If you don't keep these facts in mind, you will draw morally incorrect conclusions.
As someone born into a middle class family in a certain area, with certain genetics, I have been able to easily obtain middle class, with very little effort. If it's this easy for everyone why isn't everyone middle class? I don't feel like I've worked any harder then people who are worse off then me. If anything, I think I work far less hard.
If you feel guilty about your relatively easy success, I do think that focusing on both gratitude and charity is an effective moral approach.
Everyone knows about anecdotes like this. The real question is: how many rich people lose everything (especially the ones born into wealth)? How many extremely poor people move up a lot? You'll see that these are exceptions rather than a common event.
I am suspicious that this is not unintentional.
Let‘s put it this way: work hard and you might have a chance at becoming successful; don‘t work hard, and your chances of making it sharply plunge to zero (unless your family is already extremely wealthy, which is the case for a very small percentage of the population.)
there's a sizable chunk of middle and upper-middle class families that can afford to send their children to good schools but not to support them indefinitely. it's a big advantage to start out as one of those children, but it can fall apart at pretty much any point if the child isn't willing to put in the bare minimum effort to advance through the pipeline.