> You're thinking of luck in a narrow sense.
I'm not sure what gave you that impression.
> If an otherwise fiscally responsible and decent person wins the lottery, they're set for life.
That depends. They might get ill or they might get robbed. As the parable says 'we'll see'[1].
> But luck means a lot more than just getting some big break.
Yes, obviously.
> It means your genetics, parents, your friends and your teachers. It means your childhood environments. It means everything your senses have ever detected. It means toxins you've been exposed to, diseases, parasites, and microbiome. It means chance genetics that can lead to diseases.
That was the point of TFA: it means everything and as soon as something means 'everything' it might as well mean nothing.
> Just because some people with difficult childhoods end up being wildly successful, and some people who were handed every opportunity (good schools, rich parents) end up making a mess of their lives, doesn't at all imply that the traditional notion of free will is at work.
It also doesn't imply that it isn't.
> Even what little we understand about psychology suggests that it's because of difficult upbringings that some people are so tenacious at achieving success, and it's because of having things handed to them that someone you'd expect to succeed ends up an underachiever for life.
That's the core of the parable. Everything in your life that happens by chance can be 'good' or 'bad', it all depends.
> In other words, not having luck early in life can be its own luck in shaping your psychology, and having luck early in life can be its own bad luck in shaping your psychology.
Exactly. But the people that make 'good' decisions tend to do better all things considered than the people that make 'bad' decisions, and that's where free will comes in. Even if statistically speaking some of the good decisions will lead to bad outcomes this is not the majority of the cases.
We'll have a simple example: smoking is bad for you. Decide not to smoke and you will likely live a healthier and longer life and your reproductive chances go up. That's a decision that's all yours and even if your personality make-up is a big factor in whether or not you will take up smoking and if you do you may quit or not depending on your genetics again - all due to luck - in the end you consciously decide whether or not you wish to continue to smoke or not.
So you can reduce everything to luck but it doesn't help you at all, it's a nihilist approach.
http://www.inspirationpeak.com/cgi-bin/stories.cgi?record=31