The Chinese say "luck is the combination of hard work and opportunity". It requires both. There are limitless scenarios in which the same type of hard work will give you a completely different result, if the opportunity never comes.
This is why I am so annoyed by the Left and the Right simplistic view of this.
The Left: "You are rich because your are privileged!"
The Right: "You are poor because you are not working hard enough!"
Successful people make their own luck, and spend a lot of effort making it easy for luck to find them.
For example, if you never leave your basement, you're unlikely to get lucky finding a life partner.