Have rich parents shielding you from any negative consequence and providing a financial fallback.
But there were exceptions, too. My grandma used to say that someone was born with a "propeller up their backside" [0], e.g. totally relentless. I met such types of all classes. Not everyone concentrated on business, but they all had a lot of drive towards their goals.
[0] It rhymes in Czech: "s vrtulí v prdeli".