No. You can do all of these things and something can still happen to destroy your life. I went to university, studied for a professional qualification and worked and paid taxes for 16 years. Then cancer took that all away from me. Now I'm in poverty, always hungry and can't even afford to go to the dentist. And I'm tired of people pretending they earnt their good lives with hard work. There is so much more luck than work that goes into having a good life. The luck that you didn't get seriously ill, or that you have a family who can help you, or that you live in a country where success is possible, that you don't have serious mental issues from being abused as a child, more likely a combination of multiple things. This wrong thinking successful people have that they alone earnt their success also makes them so cruel and judgmental of people who haven't had successful lives, thinking anyone who is not a success is just lazy and didn't try hard enough, when in actual fact there are multiple factors outside their control preventing them from improving their lives.