Without any doubt whatsoever, it is a persons nature. I know a LOT of people who are very "clever", but that's where the line ends for them. Few of them are rich. I also know a lot of people who aren't overly bright, but just "who they are as a person" seems to attract a lot of what one might call: "good luck".
Of course it's not all as black and white as that, but if you want money in this world, you don't have to be smart to do that. Smarts doesn't make money. If you're greedy, you'll make plenty of money. But greed isn't smart. If you're uncaring of others and ruthless, you'll make plenty of money. But that isn't smart either. If you're willing to throw all your morals out the window and bend over for every Tom, Dick and Harry, you'll make plenty of money, but that isn't smart.
Again, it is not intelligence that makes money. It is who a person is. Look at me. I am extremely intelligent. Smarter than most people around me. I mean, I'm almost a super genius! But I'm always scraping for a dollar
However, I am also thoughtful, kind, considerate, caring and have good morals. I'll never have any money. Plus,most people who don't have any morals at all, don't like me very much, because they feel as though I am judging them. It's called a guilty conscience. So That makes it hard for me to find any "luck"
I could keep typing, because as you can see, I've got it all sorted. But one has to stop somwehere.
P.S. Yes I was joking about the super genius thing (of course), but I do now a LOT of people that have far less brains, common sense or wisdom than me, and not a money worry in the world.