Many children of the UHNW families I know are raised by a rotating cast of nannies and emotionally neglected by their parents. It's heartbreaking to watch the psychological damage being done. Given a choice for my embryonic self I'd choose an upper middle class couple with high degrees of empathy, one mostly stay at home parent and an obsessive focus on curiosity, knowledge, and self-education.

Sometimes you develop a crippling drug addiction and go bankrupt.

I personally don't no. I have been ill, I have had to give up on a career in an industry that died and retrain. I have been subject to a very costly legal challenge that was not even close to being of my own making. I am moderately intelligent, but luck didn't care.

Luck can be a bastard like that

I’m sorry to hear that, and I’m agree it isn’t your fault or the result of some personal flaw on your part that you’re not personally rich. What I’m saying is that on a larger statistical level, when we are talking about entire populations, those random factors still exist but nonrandom factors also exist, and the nonrandom ones are the ones that show up in aggregate once you have enough of a sample size.