Procrastination: I call this the slow killer of destiny, it has caused setback for many people, there are some life changing opportunities that occurs just once and many have failed to seize it, why? Cause of Procrastination. Well, one of the best ways to tackle it is to set target, implement your goals and work towards actualizing it.
Wrong circle of friends: Your circle of friends could determine your level of success, there's this advice my dad always use to motivate us, he said a poor person in the circle of five rich people is a potential rich person, and that's cause the person would get informations or help from other friends to elevate him/her. One mustn't only consider rich friends but atleast your circle of friends should be with people who's got the mindset of acquiring wealth and are working towards achieving it.
Fear of failure: The fear of failure has caused setback to many people, once someone kill there fears and go into a business, investment or project with the mind-set of success such person is bound to succeed so far they're working hard enough but once fear is entertained it could cause the person to easily give up on actualising their dreams.
Fear of risk taking: Taking risk could be harmful if not calculated but not taking risk is even worst cause their are many opportunities involved in taking risks, a good percentage of successful people today are risk takers, so I believe the journey to success still requires taking risks.
I believe there's lots more, but these are the ones I could think of however you could add more if you know any cause I believe these informations could serve as a motivations to some people who would come across this thread.
The points you made are all true and we must apply them in our daily lives. We must also completely eliminate the ego of envy. Do not envy others, but make it your inspiration. Stay away from anything related to debt, especially debt for investment.
In addition, there are several things we must do to become rich, whatever we do, look at the results, not the process, we must also be able to work for a while and be productive, not all day. We must also be consistent and expert in one field that is being pursued, understand and believe in the vision, be good at controlling emotions, must be able to make profitable transactions, manage budgets, divide time in great detail because time is very valuable, and finally, always look for new things, new insights, new challenges. It is easy in theory but when practiced it is difficult but all of this comes back to a strong intention.