Luck is more a matter of perspective than it is the roll of the dice.
If luck is a matter of random chance then mathematically every one of us is equally lucky. Whether you think you are lucky or not is irrelevant. The real question is how lucky do you feel. Because, how you feel, will determine your actions and outcome.
Consider the passengers of the plane that crash landed in the Hudson River – were they lucky? You can imagine that there were moments during that scary nightmare that they cursed their luck. Yet upon the perspective of reflection they considered themselves extremely lucky. If you are afraid of flying you might consider yourself lucky for not being on that plane.
We are all lucky. It just depends on how we see it.