You don't need great psychological habits when your father owns half an emerald mine.

Vast inherited personal wealth means you have the capital to make large business risks and never have to worry about ever being poor if your plan doesn't pan out.

Also, if you start with capital that is 1,000,000 higher than average, you don't have to be as successful to become super wealthy.

Finally, having a massive capital cushion, particularly in the US, allows you to purchase advantages that are simply out of the financial reach of average business people.

So you can have some poor psychological habits (Musk definitely has some good points!) and still become obscenely wealthy in the US.