The problem with that train of thought is that it omits any responsibility and if anything bad happens then you can always blame someone else. It’s always someone else’s fault you aren’t succeeding. Of course there will always be challenges, that’s just life.
And there are plenty of people “that did build that” on their own in spite of the adversity. To think otherwise is simply foolish. You want to paint me as an example yet you have absolutely no clue. The company I have built for myself was done with no college, no loans, no employees. And I would call myself successful. If you want to abstract it out so far to “you breathe air, someone else planted that tree” then that just shows how disingenuous you are with your argument. The fact that you even need to go that far should tell you something. If you can’t see how generating your own resources instead of relying on someone else for them is even feasible, you haven’t brought a rational argument to the table.