They're not keys, they are requirements. And soft requirements, on top of that.
But luck is a huge component in getting wealthy. Plenty of people with equal skills, equal expertise, and equal hard work never succeed because they don't get the magical conjunction of right time at the right place.
Look at Facebook. When it was released there were a hundred products like it, but the specific combination of things Facebook did made it super popular. I cannot believe that was due to skill.
It's also worth remembering that Facebook pivoted several times before it became what it is now, taking on ideas that worked for other platforms. For example feeds were added after Twitter became popular.
But luck is a huge component in getting wealthy. Plenty of people with equal skills, equal expertise, and equal hard work never succeed because they don't get the magical conjunction of right time at the right place.