Ever observed how the rich seems to be getting richer and the poor getting poorer? This is because money or at least possession of it opens up opportunities that may not be available to all. Take for example the various investment offerings available. Ready cash invested would yield more than loaned cash since there will be no principal and interest payments to deal with.
The invested money is able to earn more because whatever is earned is clear profit (less obligatory taxes, of course). That is why those that have free cash or cash that is free to be placed even on speculative transactions have more choices. Rich people are not necessarily more hardworking or wise, only better opportunities.
