Luck is important, but luck doesn't come to those that sit on their ass.
The main reason that people get off their ass is to improve their life. People that have everything are constantly offered amazing opportunities just for existing. You may not have ever seen this because you don't fall in the category but it happens all the time.
To benefit from luck, one must roll the dice in the first place. The more times you "roll the dice", the more shots you have at getting lucky, if nothing else.