No, most people have a mixture of good and bad luck. It's really not difficult to comprehend.
Nope what I find hard to comprehend is the way people assume they know about a complete strangers life and can happliy infer that that persons life is the way it is because of 'luck' and that overides all other influences as the determining factor of a persons life progression.
And lets just have a little look at what started this it was posted
'you are lucky you can afford to'
part of my response was to say '...it was not luck it was hard work ...'
Would you care to highlight where I have said I have not had good luck or been fortunate?