Oh, also, it might be interesting to have two talents, the existing one, and one relating directly to one’s ability with money, and thus one’s ability to maximise or minimise bad luck through the money itself, rather than just luck or paycheck — the model would presumably show that those with more money and a modicum of ability with money will be able to avoid the worst impact of bad luck in a manner unrelated to their other talent. Meanwhile people with no discernible talent, except for a talent with money, will become wealthy if they get a lucky break that gets them past some capital threshold.