His wealth is just an accident of birth.
accident of birth
idiomA fact, situation, or personal characteristic, which may be desirable or undesirable, resulting from the circumstances into which a person was born, and which is therefore entirely beyond their control.
She realized that her access to quality education was largely an accident of birth rather than a result of her own hard work.
The philosopher argued that one's social status is often merely an accident of birth, challenging the idea that success is solely a product of individual merit.