i dont know if luck and fate are real, but i can imagine luck maybe like being born witth a supreme talent in the right family
luck = when your talent is your passion, so when you grow up you make a living out of it, make a shtload of money/fame etc. like lionel messi
luck = being born healthy with no mental illness,no depression, no chemical imbalance in the brain, etc
luck is when your job is doing the thing you love most in life
or luck = being born smart /blessed with good genetics,etc..
maybe luck is being loved. luck = meeting someone who loves you more than themselves
hard work is more like a term the rich came up with to continue with manipulating the less fortunate people. i mean no one really works harder than poor pple