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A large majority of that is winning the luck lottery of which family you were born into. Most people who have “trouble staying afloat” are also those who are economically disadvantaged… as in, in the lower-90% of the economic population who are desperately just treading water. Most of the people who “breeze through life” have the intergenerational family wealth that permits this behaviour.
Yes, that has also been my experience. But this also evens out fairly well with age. I've come across very well put together people in their 50s and 60s whose childhood all the way through late adulthood has been literal hell. But this might be survivorship bias.