I would think that having one or even all of these traits isn't enough to have a good life but I can see how having none of them would also easily lead to "being fucked", as you put it. Still, I think each trait has its own reasons for not necessarily leading to a good life:
Rich: People who are rich actually sometimes end up having more time to dwell on their own problems which can put them more often in a negative state of mind. Even spoiled children are actually more likely to become depressed if anything goes slightly wrong because sometimes suffering feels even worse when you aren't used to it. Money can't buy happiness after all. Plus there's actually a bunch of studies that show that people feel more depressed in developed countries than third world ones. Sure they can afford things that they want but the thing about dopamine is that it always leads to diminishing returns. Imagine having all of the resources and means to be happy while never being able to feel it anymore.
Beautiful: No matter how beautiful or attractive you are, someone can still find ways to degrade your appearance. Similarly to the rich factor this just leaves you less prepared for any negativity that occurs later in your life. Someone who is told they are beautiful all their lives probably has a far more fragile ego than just someone has always been ugly and knows it. People could also act really fake around you to win your favor which could leave someone with an even further scarred mentality. While the things they might get sad over seem trivial compared to what ugly people have to go through, at least ugly people don't ever have to worry about people only praising them for their looks instead of their actual character.
Talent: This one can be a double-edged sword since sure you can pay the bills with talent and maybe even attract peoples' adoration for your genuine skills but among the most talented people there's always that thought that somebody out there is better than you no matter what you do and it's actually very possible to never think you're good enough no matter how much better you are than the people around you. Sure there can be competitions to prove your worth but even first place winners can still end up feeling like their victories were hollow if they rationalize things a certain way.
Smart: This is an easy one. Smart people actually get depressed super easily. Ignorance is bliss after all. It's just much easier to become aware of just how miserable one's own existence can be if you're smart. Having higher brain power gives you the ability to see just how things went wrong plus you'll probably be surrounded by people you can't truly connect with because they're 'dumber than you'. Being smart is pretty lonely because even around other "smart people" they don't always get along because if smartness is all they have, other smart people become perceived as a threat.
Basically, life sometimes just doesn't care if you're any of those things. It can still find ways to fuck you over that have nothing to do with those traits. Sure it's easy to say those peoples' lives are better because they have things that you don't but "blah blah blah grass being greener on the other side etc." I don't mean to degrade anyone for feeling upset that they don't seem to have these traits though, since I don't either. I've just seen enough examples for people with varying degrees of all of these qualities still get depressed or fucked over by life due to things completely beyond their control.
