Those who fail to succeed as much as others ("losers") find themselves in that situation for a bunch of reasons - first and foremost is that it is unrealistic to expect equal results from unequal people. There is a wide disparity among people in intelligence, talent, creativity, physical capability, adaptability to change, motivation and risk tolerance. The fact that one is on the short end doesn't mean they did something wrong - so TRUE - many losers did nothing wrong. However many make bad choices or fail to take the risks needed to succeed. Many get education that doesn't support financial success - limited market for that training and knowledge. Randomness also plays a part - timing and family that can help one advance.