Yeah, that's addressed in the fine article as well:
> For years, he was an abalone diver on the West Coast in
> an area with great white sharks that have a history of
> attacking divers; he lost some friends to the predators.
Teela Brown from Ringworld. She was the result of a selective breeding program intended to create the luckiest human alive... but it turned out the _real_ lucky ones were all the "failures" who did _not_ get recruited for an impossibly dangerous mission.
That mirrors Orwell's thought when he survived a shot in the neck during the Spanish civil war - everyone kept telling him how lucky he was, but he couldn't help but think it would have been luckier to not have been shot at all!
As I recall (spoiler), that was speculation by one of the other characters after they crashed on Ringworld, later reversed because Teela met the love of her life due to the crash. The real take away was that Teela's luck was in no way transferable to the rest of the party; it only looked out for Teela.
Luck seems to me to be a zero sum game, so if someone is lucky, someone else must be unlucky. It's like a new character on What We Do In The Shadows as a luck vampire.
Perhaps instead luck is a field or fabric permeating or moving through spacetime with concentrated areas of entropy or improbabilities that some people can naturally sense of are drawn towards
I'd write the story but evidently we are already background in it.