Allah’s Help

Our belief in Allah's help seems to have stopped us from doing our utmost effort and may be one of the reasons in not having high achievers among Muslims in almost all fields of life since long.

What is meant by Allah's help, when does it arrive, in what situations (e.g. exams, games, projects, international matters etc.)?
Is it a) only for the factors beyond our control/imagination; b) only for the factors that we can anticipate/think of; or c) both situations?
Is it for a) pious Muslims b) all Muslims c) everybody?
Should we embark on risky businesses/adventures on the basis of Allah's help?
Clear concept of this will bring about change in behavior of Muslims.
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