Dumb luck? What is dumb luck? So the wealth differences between a high school drop out and a college grad can largely be attributed to this "dumb luck"?

It's "dumb luck" that my parents were middle class instead of drug addicts, it's "dumb luck" that I was born and raised in the USA instead of a place without electricity and running water. It's "dumb luck" that I was raised somewhere where the walls weren't poisoning me with lead during my child-hood. It's "dumb luck" that I wasn't raised in a ghetto where the only kind of success anyone knew about was in joining a gang or leaving forever.

Dumb luck is also being born into a family where you'll inherit millions of dollars, but tell everyone you worked hard for it.

Probably yes. The factors that align to support someone to have access to and finish college vs. drop out have a lot to do with "luck".

Also, maybe I was lucky to have been able to come across stuff like this in my life to better shape my view of reality:

https://blogs.scientificamerican.com/beautiful-minds/the-rol...