For me, there is nothing like luck. We all living a life that has been written down somewhere by a supreme being. You think you have the power to choose but you actually don't. You can call it LUCK, FATE, COINCIDENCE, or whatever, but the actually fact is that you being played towards a bigger plan we mortals know little or nothing about.
Sorry but I will have to disagree with you. That would be just simplifying things.
Yes you might say it is a plan of something bigger, but still you have a chance to choose. If we are talking about God from books like Bible and Khuran, then there would be no bad deeds and doings. If God has a plan, why would he let someone rape a child? Makes no sense.
If we are not talking about "book God" than I can agree with you, because it all just is.