Bitcoin is the most meritocratic distribution of wealth I can think of. There are people who are not buying bitcoin at the price they deserve (too young, not enough wealth, not enough luck...) or fiat billioners friend of the governement that can put new printed money into bitcoin and unfairly enrich themself (so "unfairly luck"/criminals).
But in the grand scheme of things bitcoin is the definition of justice.
The people you describe are real, are the majority, are around me and you, and they will pay their superb.
And I'm sure, in the end, they will be so superb to not recognize the chance they loss and they will pass to the next "current-thing-to-think".
They are so superb.
Fiat world has given them roles, entitlements, jobs, power, privileges. And they think they have obtain all they have thanks to their merits. They fallen for this easy fiat-ego-booster, they are fragile and weak. They have turned into the first enemy of themself.
Everyone have the life he deserve, luck is real, but few are in the extremes of the spectrum and are really "so lucky" or "so unlucky".
The other will have what they deserve.