[bcook]

Judging others is an impossible task. We use the word "unlucky" because we do not truly know that person. Yes, they could be lazy, but they could also have mental or physical problems that are beyond their control.

So, we say "unlucky" because it hints at the fact that many of the gifts that we humans have were not individually earned (intelligence, will-power, mental sanity, life, general health, your parents, etc). Nobody is in full control of their life, so we cannot judge them with impunity for the way their life worked out.