Hmm, I think this statement needs some support "To create great wealth in a vibrant capitalist society you have to have some model about the world you can exploit."

Money simply invested in a market fund generally creates wealth, and that doesn't require a model of the world that's much more sophisticated than the average person's.

"Some people fall ass backwards into money through luck, but that's rare," This feels unsupported as well. How could you even attempt to quantify what percent of success is due to luck, much less establish confidence that this percent is going down?