Just my cheap opinion:
Everybody is entitled to their own decisions and, perhaps, his/her own future. Quite a cliche for watching shows haha :lol: But seriously speaking, I am quite inclined to think that luck, destiny, etc (in an otherworldly point of view) are envisaged by people themselves. But, coincidence (or what most people call "luck"), I believe, is natural on human life. I like to think of it as a product of the decisions of other people. So unknowingly, some unexpected turn of events do good or bad to a certain person on account of the other one.