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Its very rare that ANY of the guys who make it to F1 do so solely on ability. A rich family is just as important, as most people don't even try karting before they are 18 for example.
You need a lot of cash to parade around the country going racing every weekend, and you cant tell me a 10 year old Senna/Hamilton/Vettel secured themselves a loan or worked for it.
I have it on good authority that Hamilton was not an outstanding kart racer, he simply had more cash and more opportunities than his rivals.