I do think that there is a truth in 'right place, right time' kind of luck.
And how you view what being lucky actually is.
DP for instance suffered severe burns after his ship was bombed in the Falklands - unlucky to have burns? or lucky to have survived?
He was also in a pretty bad RTC a few years ago (he is the original cat with nine lives) and we consider him lucky to be here rather than unlucky to be in the accident in the first place.
My life has been a mixture of fucking shit and absolutely wonderful.
Born to parents who had such a toxic relationship that by the time I was 6 they would both be dead (murder - suicide). Adopted by a couple who were more concerned about what the neighbours think and making sure their own DD got everything to ever offer me any love or cuddles. Left home at 17, average qualifications and never encouraged to go to university. Brutally attacked in my own home aged 30 (sexually and physically assaulted). Mother suggested it may have been my fault for fighting back. Then in a relationship that ended with DV. Permanent disability 10 years ago meaning I will never be able to work full time again.
But I have two incredible kids, a wonderful DP that I love, I have my cats, I have a roof over my head, I have food in the cupboards and I would help anyone who needs it. I have a gorgeous godson who I adore, I have lovely friends (not many but those I have I cherish) and I live in a nice part of the country in pretty much a crime free area.
So am I lucky or unlucky? I consider myself lucky that I have managed to overcome all the crap I've been through and still have kindness in me instead of bitterness.
I may not have much materially but I consider myself extremely lucky to have things money can't buy.