I sort of believe the "luck" thing already.

I don't know of anyone who's luckier than average in a strict test (rolling a die), but there is such a thing as the vague ability to have things go well for you no matter what, even when there's no obvious skill or merit driving it. People call that being a "golden boy" or "living a charmed life." I think that this is really a matter of some subtle, unnamed skill or instinct for leaning towards good outcomes and away from bad ones, something so hard to pinpoint that it doesn't even look like a skill. I suspect it's a personal quality, not just a result of arbitrary circumstances; but sometimes people are "lucky" in a way that seems unexplainable by personal characteristics alone.

I am one of those lucky people, to an eerie degree. I once believed in Divine Providence because it seemed so obvious in my own, preternaturally golden, life. (One example of many: I am unusually healthy, immune to injury, and pain-free, to a degree that has astonished people I know. I have recovered fully from a 104-degree fever in four hours. I had my first headache at the age of 22.) If an AI told me there was a systematic explanation for my luck I would believe it. I also have an acquaintance who's lucky in a different way: he has an uncanny record of surviving near death experiences.