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I am thinking if I walk past a dollar, I am the right place at the right time. If I wasn't looking down to begin with, I'd not see it. Or if I don't pick it up then I cannot define that moment as lucky because it has no value. Is that making sense? Like there has to be action from me to give it value.

Sure, It is all up to you and what you think of it, not just with luck. Humans tend to give meaning to things that are meaningless, same with "chance"..they call it good luck and bad luck...