No matter the example, you could always narrow it down to "luck".
"Lucky you didn't get run over by a car"
"Lucky you didn't get cancer and die"
"Lucky WW3 didn't start and destroy your country"
What's the point?
The percentage of people that are killed in a car accident is relatively small, so a person who is not killed in a car accident doesn't need to be particularly lucky to avoid being killed in a car accident.
Yes, luck is a factor in everything, but the role that luck plays in everything is not the same.