Make that "to most people in the developed world", then. If I want more fitness, I just have to exercise more and eat better, which the majority of people in the developed world could afford with little trouble if they wanted to. (Programs like the 5BX take less than half an hour a day -- personally I use Goodbye Couch.) If I want more wealth (and here we're talking about an amount of wealth that can buy "exceedingly expensive watches or yachts", not just a couple hundred more dollars per months) there's very little I can do to reliably achieve that.