I think I would vote differtly depending on the level of wealth.
Most likely. Saving will probably never make someone wealthy, unless their job is one of those 10M a year kind of deals.
I think "the chance for luck" is emphasized when there is the hard work and skill put into it also. Part of this is being able to see lucky opportunities when they arise. I suspect that my lack of talent in any areas has meant that I have missed many lucky outcomes :)