failed due to circumstances beyond their control
Like What? Everything in buisness is making the right decision, whatever it takes, going over that decision for all the pros and cons, all the benifits and all the pitfalls that might arouse from that decision, and taking all factors into consideration, leaving nothing for chance. Will take care of anything that might arise. There are no Circumstances beyond control, if you rip it apart enough.
As for the people that inherit, born into, or marry into money, are a very, very small part of the equation.