I think its all about having the money, and the right back up, to get to higher levels. Nothing to do with personal achievement, or who you are as a person, or rider, or how good you are with horses.
I have seen it from all angles, we all love our horses, that's the main thing. Some get on better than others, some of us are stronger, some weaker. Horses are the most amazing challenge and levellers for everyone.
My YO has only just realised at 58 years old that she has lead an enchanted life, she took the money and the achievements and all the glory with a pinch of salt. There was a time, not so long ago, that she would not have got on a 'cob'. She is doin it know and smiling x