I don't think there are two camps "luck not skill" and "skill not luck". Most smart people realise it takes both. To become Bill Gates level of success you need luck.
You could argue that middle class to millionaire path could be described as mostly skill and focus, with the luck of not getting wiped out by a disease, jail, lack of motivation or whatever.
You could argue that middle class to millionaire path could be described as mostly skill and focus, with the luck of not getting wiped out by a disease, jail, lack of motivation or whatever.