Of course when you confront them they retreat to their motte and say that talent is also luck, and not getting cancer is luck etc, and therefore everything in life is actually luck, so they weren't wrong!
I read years ago that 40% of cancers are attributable to lifestyle choices. For example, your odds of mouth/throat cancer increase steadily the more you drink. Getting the HPV vaccine reduces your chances of the associated cancer by a factor of 22.
I post often here about "getting your share" by buying stocks in successful companies, that you can get started at no cost, and can buy fractional shares if you don't have much to invest. I get lots and lots of push back. Last year, stocks increased what, 30%? All those missed opportunities.
(Of course, stocks don't go up 30% every year, and often go down. But you can't get lucky investing in stocks if you never invest .)