The quotes, because luck implies counterfactual outcomes. You're lucky if you miss a car accident by a minute, but it's not clear that you could have been born as someone else, because then you wouldn't be you, and that's nonsensical.

> Doesn't it make sense to question or try to change these assumptions? Or are things fine the way they are?

Pretty much every new government since the US or French revolutions have tried, and the outcomes have been less than ideal. Inequality is a constant feature of human society that cannot be engineered away.