You’re right! The man can say he works hard for years and you dismiss it as entirely as just luck instead of mostly luck.

No one is saying luck isn’t the deciding factor here, we’re just saying there’s also a limited measure of hard work. It’s not all just one thing. There is a very precious few who just keep falling into luck over and over again, but they’re in the extreme minority of even the successful. The majority of them put in some hard work.