You can win three times Lottery Jackpot and you still wouldn't create a damn thing that is anywhere near Apple's Product. Not that they are insanely great, but no one would put label them as cheap, crap or mindlessly crafted.
And you can met Woz, but you would still have failed creating a company. And properly failed miserably.
Steve Lived at the dawn of the personal computing age, and got kicked butt by IBM, M$ and Intel. Wow. Lucky
He got kicked out of his own founding company. Extremely Lucky.
There are properly some luck involved in every successful billionaires, Bill Gate for exmaple. But Steve, I would put him as the last one on the list.
So Yes. It is a Sin.