For me on the other hand, everything I do ends up in failure. You know how people say '' oh you just didn't work hard enough ''. Well for me, even if I work hard, its useless. Something is bound to make all my hard work reduntant.
This is just an allegory. But if I was playing golf, and my trajectory was just perfect for a hole in one....at that exact moment a squirrel will run past the hole and knock my ball away. Stuff like that always happens to me.
This is my life. My basement issues are a perfect example of it. But some of the stuff that happens "coincidentally" seems so curiously "apt" that it feels like it's part of some kind of cosmic joke. I find it hard to believe sometimes that there isn't a malicious god up there intentionally tormenting me, making sure that everything happens in just the right way to produce the worst possible outcome. It doesn't feel "genetic" to me so much as supernatural. This has been going on all my life. My luck is so bad that when I used to know people they used to comment on it, and I stopped playing games of chance because I would always roll/spin/draw remarkably badly. To the point where I actually started to believe I had telekinetic powers.
I think, realistically, that what we call "luck" can be reduced to a combination of "bad outcomes", "interpretation", and "response". I don't agree that "everyone should be experiencing the same amount of luck." When we talk about luck we're not usually talking about the million inconsequential flips of the coin, which do tend to even out over time, but the few significant occasions where the flip of the coin mattered in an uncharacteristically important way. If there are, say, a dozen really important moments in a person's life that determine their destiny, then it's possible for someone to get heads or tails every single time. In that sense, some people do
have more bad/good outcomes than others. That's bound to happen for purely statistical reasons, because "bad outcomes" will be on a bell curve like everything else.
People who have more bad outcomes than others tend to describe ("interpret") their experience as "bad luck" and the more than statistically average good outcomes of some other people as "good luck" (we pay no attention to the hordes in the middle with middling luck). By contrast, people who have more good outcomes than others tend to describe ("interpret") their experience as "hard work" or "intelligence" and the more than statistically average bad outcomes of others as "laziness" or "stupidity". (It seems too tempting for most people not to take credit for everything good that's ever happened to them.)
What muddles things is the "response" part. If you really believe things are always going to end in disaster, you tend to behave differently than if you believe you can take control of your life (ie. change how often bad things happen to you vs good things). You get cynical, discouraged, or otherwise "negative". You collect all your misfortunes and string them together in a depressing narrative guaranteed to make people regret sitting next to you at a party.
This behavioral difference creates the optical illusion that unlucky people create their own misfortune and lucky people create their own fortune. I say optical illusion because people who have been unlucky but then get a lucky break have a change of attitude and stop appearing in the unlucky category and people who have been lucky but get a bad break have a change of attitude and stop appearing in the lucky category. So we always see misfortune correlated with certain attitudes and behaviors that people frown on and good fortune correlated with attitudes and behaviors that people esteem: the people who are still unlucky are still unhappy and the people who are still lucky are still happy and it all looks like their attitude has something to do with it; as if the attitude isn't a byproduct of their good or bad experiences. No amount of hard work or careful planning can prevent something terrible from happening and destroying everything you've built. And sometimes people get everything handed to them for no reason at all.
Ofc, I can simultaneously believe (rationally) that my luck could turn at any moment because everything is random without it affecting at all the conviction I have that things will continue to turn out the worst possible way because God hates me.