Even people like Gates, Musk, etc would probably agree they had a healthy amount of luck. Being in the right place at the right time, starting a conversation with the right person, being in the right college course or being at the right college. But saying that the primary cause of wealth is blind luck eliminates almost all the personal agency and hard work that actually goes into being a successful person. Maybe they wouldn't have gotten where they are without some luck, but the same amount of luck + being lazy would leave them just as poor (or worse).