I encountered someone with no high education and no proven skills, no job but has the ability to remotely implant emotional dependency into someone from higher class, then somehow convince her to leave her wealthy family and their first world country just to live with him. Some people call this love but I consider this as a very special skill
People who have made a lot of money from scratch don't actually tend to be incompetent - they tend to be highly competent at whatever they are doing.
There are very few self-made rich lazy people.