Yes, proper use of whom indeed.
Yes, luck plays a hand, maybe chance is what we should call it, happenstance. And as you point out, luck can be good or bad...it's how we then react to either that matters and that which can affect us moving forward in various ways. It's at those times when effort comes to the fore.
Life will always have ups and downs and it is easier to navigate with gratitude, patience and humor.
This says it all really. ✅
Oh chance is a much better word! That implies you actually have a choice 😀
There is a choice but its often chancy, but a chancy choice is better than no choice at all.
lol true