Yes and no. I can think of easily three decision or inflection points in my life where if i went left instead of right, id be a multi millionaire. I can think of even more where my life direction would have been radically different.

Luck plays a huge part on where you start and land but no one is totally unlucky. Luck strikes everyone across all starting points.

What i have seen with my loved ones that struggle is that they have had many lucky breaks and somehow keep squandering them in a sad self fulfilling prophecy. Success begets success and failure begets failure. Both cycles are reversible.

Keep in mind “success” is not rich/famous but financially stable.