It's the same as the crime triangle of motive, method, and opportunity.

Opportunity counts the most. You can't win if you never get the chance to play.

Motive is next, as you can't succeed unless you have the will to do whatever is necessary. At some level, sufficient motive can generate additional opportunities, but there is an upper limit on how much you can supplement the genuine opportunities arising from pure chance.

Method is least important. There are often many ways to accomplish the same results, ranging from dead simple to prohibitively complex. If you have simple goals, you can still achieve them simplemindedly.

. . . And I think I now have a hypothesis about why so many rich folks seem like crooks.

#2 is also genetic. Stamina and attention span count for a lot.

Nature versus nurture either way it's all your parents fault...lol.

You forgot the 2 that count the most luck and network.

That's opportunity. The network is basically being born into the right circles, which is pretty much entirely luck. A few people do break in through sheer determination and/or a lucky break with some contacts.

I feel like opportunity covers that.