Luck = Skill + Opportunity. That is, you must have the skill set to become successful, but also be in the right place at the right time to apply these skills.
Fortunately, you can increase your skill through training, reading, etc. You can increase your opportunity just by trying when you fail. Someone who only applies to a single job is less likely to be employed than someone who keeps on applying until they are hired.
But then that would mean that luck is greatly a matter of how hard you are willing to work and that doesn't seem to be a popular opinion these days.
Typically if someone has a lot of money, they or someone worked hard for it at some point. But yes, people do win the lottery so there are people who haven't worked for it. But the fact that there are some people who didn't have to work hard doesn't change anything I said.
America is a great place for people who want opportunities to succeed. It is a horrible place for people who are mainly focused on whether or not anyone else has more than them because the land is full of people taking advantage of those opportunities.
But then that would mean that luck is greatly a matter of how hard you are willing to work and that doesn't seem to be a popular opinion these days.