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Its insensitive and not politically correct but it is not inherently wrong ...

While becoming "Bill Gates Rich" involves a lot of exceptional things to line up for you, the basic process of climbing the economic ladder involves showing up, doing the work that is required of you, and trying to get along with your co-workers/other students and boss/teacher.

Anyone can end up being "poor" for a period of their life due to misfortune, but almost no one stays "poor" for a long period of time without their decisions and attitude playing a major role in it. Certainly we all may "fail" in life but the difference between those who are successful and those who are not is often based on who tries again. There is a long list of successful people who were successful simply because they were willing to fail more than anyone else.

We would mock a 40 year old man who never had a girlfriend who made up countless excuses why he never put any effort into attracting women and yet deserved to be with a "perfect 10", and yet we completely tolerate people making similar excuses why they never put any effort into their career but deserve to be wealthy.