Starting your own business...success vs. failure...life purpose?

This is a serious question...in my life time I have attempted to start my own business on various occasions. And I have never been able to, however at the same time I have always managed to find work - usually at the last moment when I absolutely needed it.

I spent a period of about 10 years being a contractor, and I made it a habit to informally interview the owner of the Business I worked for, about how they started their company and how they got to the level of success that they did...

EVERY one of them described situations that led to them starting a business, being paid for it, etc that NEVER happens to me!

I also noted that there was no obvious difference between these people in terms of intelligence or knowledge - they were just 'ordinary' people.

It got me thinking if the reason that Person A becomes a Billionaire and Person B only ever earns an average wage has very little to do with intelligence or hard work or good planning - and in fact has more to do with 'life purpose' and luck!

Outside of business I have known and observed people who - from my perspective - get their lives handed to them on a plate! They don't work harder, they are not more intelligent, they just seem to have good luck in huge abundance.

Am I over thinking this? Is 'success' really just a consequence of your 'life purpose' from birth and therefore you can't really influence it yourself?