Has it ever occurred to you that when you speak of luck happening to someone else it's more of an expression of "gee well they couldn't have done it on skill". But when you talk of luck occurring to yourself it's more that you feel that somehow your skill helped make the luck possible.
The example would be something like you were lucky to survive a car crash because if you hadn't swerved at the last moment you would have died, showing your driving skill. But someone else was lucky to win the lottery cause they needed the money, showing their poor state of money management.
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