“They are never rated as highly as Moss.”
I’m fairly sure they normally are actually, or at least Brabham and Piquet often are. And assuming it is Raikkonen rather than Hamilton in this list, clearly bad luck is being considered, as that is how they must be justifying such a high placement. It’s certainly why I’d place him in the top 20 over Hamilton. You say Moss was given the chance, and failed- if you are given the chance, finish every race you can in 1st or 2nd, but your car fails through no fault of your own, you have done everything in your power. How is that a case of not making the most out of your chances? Perhaps it’s more a case of drivers like Reutemann being underrated than Moss being overrated. I’m not saying that Moss should be rated higher than some of the other greats, but there are clear reasons why he often is- one being that he raced until ’62, and by that time was the second highest driver in terms of number of wins (he is comfortably in the top 20 for this stat now, and sits ahead of Brabham and Hill, who won less in almost twice the number of races, although for them they had it all come together for individual seasons in a way Moss never enjoyed).
You say bad luck means nothing- not to you perhaps, but it does to a lot of people, probably most. It is fair that some retirements are the fault of over-driving the car, in the sense of being too hard on it. But not all. To blame Raikkonen for his many engine woes, or Moss for his various retirements would be a disservice to great drivers who simply didn’t have the same luck that their competitors got.
To be honest though, an admittedly quick look through the stats doesn’t show Reutemann to have ever had a higher rate of retirement than any of his competitors. This doesn’t tell the whole story, I’m sure, but I don’t see a huge amount of bad luck unlike with Moss, although if you know more about his career I’d love to hear. If bad luck means nothing, then there is no reason for any poll or list, as it would be purely results based, depending on which stat you think is best- most championships, highest rate of championships, most wins, highest rate of wins etc.
However, one thing that does count against Moss is his desire to mostly use British cars, which when they were fast were often fragile. In this respect he could have helped himself more, although he had good reason to not race for Ferrari in particular having been jilted by them in the past.