I often perceive luck to be the combination of opportunity + skill/talent (in the sense that you have the skill/talent to take advantage of the opportunity that

I often perceive luck to be the combination of opportunity + skill/talent (in the sense that you have the skill/talent to take advantage of the opportunity that comes your way). I find that a lot of people like to chock up the success of billionaires or whoever to luck (in the sense of random chance). My older brother does this often and used to tell me about how Bezos was lucky and Bezos' parents gave him $300K to start Amazon, the implication being something to the effect that anybody given $300k can build Amazon. Then my brother had a windfall stock trade where he made $250k, I told him he can try to build the next Amazon, and he ended up squandering everything on bad stock trades and business decisions. I guess his luck ran out?