I don't see why you think that this is what he thinks? It's certainly not what I think. What he is doing is answering persistent claims going too far the other way; that his success is only because of seed money from his father.
Or, as you say seemingly somewhat derogatory, "daddy". Their relationship wasn't always that great as far as I understand it, but I don't know the details.
1. If someone has wealthy family members this tends to benefit them, and they tend not to realize it.
2. Growing up wealthy didn't guarantee Musk's success, but it made it easier than it would have been if he grew up poorer. This happens in ways that are hard for someone like him to realize. For example, he might not realize that if he'd grown up worrying about money there's a significant chance his brain would have noticably changed in a way that made it harder for him to function.
> His success isn't all due to luck, he has genuine skills. ... But his success isn't all due to skill, either.
Edit: For example, while he did work on a farm to pay for college that farm was owned by his Mom's cousin. Working for family is generally a significant advantage.
Edit2: Having a wealthy childhood has enduring benefits even if the money doesn't last. For example, it significantly increased his chance of having access to a computer at age 12, which probably had an enduring impact on his coding skills.
I'm not saying that means he didn't work hard and isn't smart. I am saying that it's telling he thinks that kind of thing didn't also contribute.