That comment made me smile. Luck is plays a role EVERYTHING, even the most risk-averse activities. For example, I plan a picnic and there is a chance that a tree will fall on me. Now the risk of this actually happening is not zero even if the park I choose has no trees (a non-zero, however small, probability can be calculated for this event...i.e., the probability that a tree blows in from a few miles away and falls on me). From the point of view of probability, I would be lucky if the tree did fall on me but from my own point of view I would consider myself lucky if it did not.
As long as the probability of something happening is not 100%, that something is a slave to luck. What can we say we know with 100% probability? How do I even know, with 100% probability, that I exist?