I've worked my ass off for what I have. Truly. But it would be downright idiotic if I didn't acknowledge how incredibly fortunate I've been in being born to a supportive, financially comfortable family and given tons of opportunities to succeed. Without that there's no way I would have built the career that I have. And of course I was lucky to meet a wonderful man at a young(ish) age and conceive healthy, well-adjusted children. We've been pretty lucky financially too. I count my blessings every single day.
I don't pretend that I got all of this by being a nice person or even deserving it more than anyone else. I'm nice enough but I'm no saint, and many people work harder than I do. If I said "I made my own luck" that would be like saying I deserve this more than other people, and I simply don't think that's true.
Still, OP, there's two sides to every coin. From what it says in my first paragraph you might think I live a charmed life. But I left out the health problems, chronic pain, early bereavement, serious family issues, and struggles with my weight and self-esteem that often make me feel incredibly unlucky. You feel hard done by in that you haven't met a good partner yet, but I'd be willing to bet a lot of people would look at your life and consider you lucky in a lot of ways. Just the fact that this is one of your main worries means you aren't currently hungry, homeless, in danger, being abused, etc. That makes you a lot luckier than a lot of other people. We ALL have our struggles. Everything's relative.
But yes, of course luck/chance plays an enormous part in everyone's destiny.