Irrespective of which is which, efforts is still needed.
I agree with you that effort is still needed but somehow, there are still people who acquire money with no or less efforts, for e.g rich kids whose parents have laid up treasures for them and their generations. These set of people just wake up each morning and get everything they want even from their sleep and at the snap of their fingers.
Turning to my angle, I work so hard but yet earn something that is not even enough for half of my needs.
Somehow, I believe that efforts is still being put in one way or the other it's either one party puts the effort and the other happens to be a beneficiary of the efforts.