Yes, I agree, "luck" is purely chance as per chaos theory, the probability of bad luck, followed by bad luck, again and again, without any instances of good luck simply doesn't follow chance/probability theory. If someone thinks they're having a constant stream of bad luck events, it's far more likely they're dwelling on the bad luck and forgetting the good luck events. Then of course, some elements of "luck" are more major/minor than others, so perhaps people forgot or don't notice the minor instances of good luck.
But, if, genuinely, there's a succession of bad luck events, then I think it's far more likely that the person's own actions are contributory factors to their own bad "luck", so that it's not luck at all, it's cause and consequence, action and reaction, etc.
I.e. women who constantly get stung with bad boyfriends/husbands may think it's bad luck, but in reality, if they go for the same "kind" of bloke, meeting in the same kind of place, then they're unreasonable to expect different outcomes as they've got an inherent bias in their selection process!