If we consider two different people, one born with certain "advantages" and the other born without these "advantages", the spontaneous response is that the one born with the advantages is lucky.
However, what if the "lucky" person never has to apply themselves, skates through life and accomplishes mediocre achievements, while the "unlucky" person has to work harder, appreciates what he gains, and through required perseverance achieves great things?
Who really was the "lucky" one? Can having a head start reduce how far we end up going? Good thought to ponder, this "luck" concept.
The one born with the lucky advantages was unfortunately unluckily idiotic. And vice versa.
You are right though. Many do nit realise tgeir luck and squander the position, thise that don't are grateful and work.
Some in poor positions are grateful it isn't worse and work to get out.
Often, people looking from below see success as only luck, people looking from up high see failure as laziness.