For me, luck is a sister of fate. You have no idea when it will happen. But when it comes, you are in for a surprise. It is like getting things the easiest way --> something you dont sweat over nor not hard earned. It is like handed down to you in a silver platter in a snap of a finger.
The danger here is that, your luck runs out. It does not dwell on your side forever.
I like your concept, although he who dares usually has more luck, and trust me I have seen people being lucky all the time.