You didn’t touch on this — I guess it would fall under the category of luck — but a huge percentage of rich people simply inherited the hard work or good fortune of their parents and ancestors. They may not have worked hard or “deserved” much their entire lives, yet they will never have to worry about money. That may be the biggest example of how wealth has no correlation to what people deserve.
Nice article. Very simply explains what feels like an easy idea, yet so many people (especially the ones who’ve accumulated wealth!) don’t want to understand.