I think you raise a very interesting point OP.
The thing is, my definition of a charmed life might be very different from yours or someone elses.
I was popular and did very well at school and went to Uni. I then spent my 20s working as an actress and singer and was a minor Z list celeb.
In my thirties I got married and had two children effortlessly. My DC were lovely babies, I had no issues with them as toddlers, no health scares, no bullying. They are now fabulous teens and set to make their own mark.
I am now divorced but remain amicable with XH who will do anything for us if asked nicely. I live in the big house and drive the convertible car. I have my absolute dream job that I have to pinch myself about because I cannot believe it is mine.
I have travelled the world and had a full and happy life.
On the flip side, my DM was/is a horrible abuser. I am one of 5 children and only one remains in any contact with her. I have lived my whole life knowing that my mother hated me and only wished to harm me. She has never once said that she loved me. Obviously this has left a big emotional scar.
I still think I have led a charmed life because although I wouldn't wish my mother on my worst enemy, I have risen above it and made the best of all the opportunities that have come my way. Maybe I am deluded but as PP have said, a lot of it is perception and if I feel I have been lucky then that is what counts?
I have really enjoyed reading all the posts on this thread, really interesting to see peoples views on it.