Man is created with equal rights but not equal talents or intelligence.

If there is any luck in life its the genetic lottery.

We can go into the debate of how much inequality is healthy for a society to encourage innovation and hard work. However in many parts of the world and even U.S. I would say many talented and intelligent people didn't even get the chance to work hard to earn something because the society didn't provide them such a chance. Your personal experience is moving but the reality is many people are rich not because they worked hard and many poor not because they were lazy. Those (extreme) inequalities are a result of injustice. If a society is too unfair, that will surely discourage people to contribute to the society.

When society gets too unfair the poor have a way of equalizing the social status. Typically via violence.

History shows us this.