I do think that the harder you work and the the more opportunity you give yourself to get lucky the better your chances are to be successful. But believe me, luck plays a huge part in everyones life no matter how smart or great you think you are.
So there's a huge difference between that and investing your time and skill in something based on making educated guesses. Which is why I wouldn't call it luck.
Also, wealth is relative. Some people simply don't care that much about money if they earn enough to live comfortably, especially since pursuing money is in general painful for everybody.
That's an absurd definition of luck. What you have to do is look at the distribution of outcomes in the population. If those outcomes are widely distributed, it depends on luck. The characteristics of the underlying population are irrelevant.