I've said similar things in the past. Not about that precise issue but, for instance, I've said 'yes, we are really lucky to be able to go on holiday so often (because we use my family's house abroad at no cost other than air fare and it costs us a fraction of what a similarly lovely holiday would cost if we had to rent a house of that size)'. Lucky is the nice way to put it, surely?
The nasty way to put it would be to point out that of course we get to go on a lovely foreign holiday three times a year to a massive old house with a pool and glorious countryside and good weather because, wahey, my family is rich compared to most. The fact that they have more money than most is PURE DUMB LUCK on my part. I didn't do anything for it. I am immensely fortunate. How else should I describe it? And I wasn't bragging about going on holiday a lot btw, just responding to a query about what are you doing at Easter, are you going away AGAIN, gosh you always seem to be away in the holidays, didn't you go away for three weeks last summer, etc etc etc. I really hope describing myself as lucky didn't make me sound smug! On the contrary, it was an attempt to sound unsmug as I do recognise that it is just luck that has gifted me with a family member who was rich enough to buy a lovely holiday house and doesn't always want to be in it and is kind enough to lend it to us for no money at all.
Last year, I was made redundant. I wasn't too fussed because I knew something would come up eventually (this part isn't lucky, I have worked very hard for the skills that I have and always made the most of any business connections, which did eventually turn up quite a good job) and DH's salary is sufficient to pay our bills and buy the odd takeaway or trip to the pub (this part is partly luck because I mainly chose him because he makes me laugh a lot and is kind rather than for earning potential, which at the time we met was minimal). I am sure I will have said to friends 'we're really lucky that we don't have to worry about me not working for a bit'. We ARE really lucky. How on earth else could I have described it? When working or not working is an issue, as with redundancy or returning after maternity leave, of course people discuss these things with their friends! If you know someone's being made redundant or returning to work after maternity leave, surely your friends notice and hope that things are OK/worry about issues you may face/want to know what's going on? I really hope nobody found me smug. I would be very upset by that, as actually I am not smug. I am a person who genuinely feels very lucky in all kinds of ways (not all monetary) and realises full well that I have been extremely fortunate to have had the kind of life that has given me all these good things.