I think it's all about the level of consciousness, not intelligence, because many intelligent and talented people have their lives all messed up. It's consciousness, or awareness if you will, that gives folks that spontaneous advantage of knowing what they want and not sabotaging that want with their being mostly reactive in life - instead of proactive.
You may not forgive my "far out" views, but I also happen to believe in the popular interpretation of the role of consciousness in quantum reality of everything. If someone's dominant daily thoughts are focussed on their desired end results, then, according to such views, they are affecting events and circumstances in a way that spells "luck".
Scientists are telling us that a good 80% of our daily thoughts are negatively charged - talking about frequencies here - so they are bound to magnetize some crappy intimate and outer reality for us. And the more we are bitching, the more it's boomeranging back at us - while we don't even need quantum mechanics to make it true, simple psychology will do.
I believe that this "consciousness capacity" just like intelligence was not evenly distributed, and for many folks it's impossible to really succeed by making an effort in matters where others do them effortlessly. That's why, in my opinion, self-pushers end up with ulcers, heart attacks, or nervous breakdowns. Many celebrities are living examples, having to resort to drugs because their fame is not resonating with their secretly low self-image.
As far as I know. Oprah is a hot believer in the "quantum effect", and that's how she was basically describing her fabulous success. There are others, like Will Smith and Jim Carrey. Personally, I have not made myself rich, but, without going into my biography here - I intuitively used it, and in many aspects I can say that my life "works".
But of course, it goes without saying, I don't believe in horoscope signs and "lucky stars", not even favorable circumstances of our upbringing. Many kids of rich folks turn to be good for nothing, and we have heard quite a few stories of "from rags to riches", including many of those geniuses who were born into poor families.