they are either very lucky, or have some help that we cannot see

Exactly! My theory, which I actually even read in a financial book about investments, is that a person's life is a matter of luck, or fate, to put it more clearly, and that most successful people, if they didn't have a lot of support from somewhere, just had incredible luck in life and that has nothing to do with the question of who is wrong and who is right. Also, by this logic, a large part of success is not just personal success, it is a series of coincidences, just fate or luck, to which no one contributed anything. But to such people who don't even know that their success is called luck, you can't explain that there is another side to the coin. In Bulgaria we have a saying: A full person doesn't believe in a hungry person.
And in the other respect it's the same. If someone's life has gone in a favorable way, because of his fate, he doesn't believe that there can be another life line that happens to other people, and these people can't change it with anything, no matter what they do, no matter how much effort they make.