Have you considered that people who get rich are just better than you? Obviously other factors are at play too, but anybody who's launched themselves up a tier in wealth usually are brilliant, bold risk takers, work super hard, and create way more value for the world than you do.

If you can't be good at hard skills, just have a high agency and learn to be good with people. There are countless people with below average skills in their field who made a fortune just by knowing the right people and worked with them at the right time.