Your initial dice roll is the most important factor in success beginning from t=0. A child growing up with parents that own a home in London has a better shot

Your initial dice roll is the most important factor in success beginning from t=0. A child growing up with parents that own a home in London has a better shot in life than one growing up in the desert. However, there are many people who grew up in a household like yours, with a talent like yours, with the level of wealth you had, and so on and so forth. The distribution of outcomes of your adult life; e.g. the delta on that initial point; is not primarily due to luck. People don't act as if they're likely to be hit by a bus or win the lottery tomorrow, because they're not.