It seems that, in order to accomplish anything, one needs some combination of conscientiousness, charisma, and/or money*. It seems that each of the three can strengthen the others:

• Conscientiousness correlates with earning potential
• A conscientious person can exert extraordinary effort to learn, practice, and internalize behaviors that increase charisma.
• a charismatic person can make connections and get deals and convince people to give them money.
• Money can buy charisma/conscientiousness training or devices, or can pay people to be charismatic/conscientious in pursuit of one's goals.

If someone lacks all of these resources severely enough, is there any way to correct that? It rather seems like the answer is "no, but most people can't imagine someone with that much of a deficit in all three at the same time".

* Yes, I could have gone for alliteration with "cash", "credit", or "capital". Money seems different enough that the dissonance seemed like a better idea at the time.