You can become a millionaire or even a billionaire by luck.
Risking an entire 9 figure fortune in order to run both 1) a business that most at the time thought was impossible (mass produced electric cars) 2) a space company that most at the time thought was impossible to do without being a nation state
and managing to against the odds make both of them succeed and become 11 figure companies is not luck. it is immeasurable slog, vision and competence.
there are tens of thousands of people worth hundreds of millions and ~1500 billionaires on earth, can you name a single one taking anything like the risks and producing the results elon is producing?