Ultimately, I think, the kind of luck that matters most is the lack of bad luck. You can be the hardest working person in the world, but if you get hit by a car and spend two years recovering, that's gonna be a problem.
My point is, success compounds. At one point it starts looking like pure luck.
Unfortunately that's not true. People will the lottery every week. In business that happens too. Look at all the well funded startups which never amount to anything, and factor in the prestige, earnings and opportunity those companies afford their participants. Plenty of people are early employees of hot startups simply via friendships and connections. Many of them leave or are fired. Many of those people become vastly wealthy.
Moreover look at all the one-hit wonders and luck is an even greater factor. If people who are smart, talented and able can reproduce their success why are they so rare? When someone never manages to get close to their initial success lack is often in play. It's not that they weren't clever, or didn't work hard, but it can be that luck picked them from a field of very similar people.
That shouldn't of course change your behavior. Luck is beyond our locus of control and planning for it, or around it, is like planning around a potential meteorite strike, or rain.
Anything you can force via effort isn't luck which is why people get confused. You can achieve against the odds via hard work alone which is why working hard is worthwhile.
You can also scale your success. The difference between making a living, making a million and being Mark Zuckerberg can all be attracted to work and wit without the need to factor luck into the equation at all.
Finally we're all focused on good-luck. Bad luck is the real enemy. To be diagnosed with a serious illness, or to be unable to take an opportunity due to factors you cannot effect will cut the legs out from underneath you however hard you work. Sometimes your good luck is invisible unless you're aware of the bad luck of those who'd otherwise take your place.
Not all hardworking people are successful and not all successful people are hardworking.
Contrary to whatever you think 'chance' plays a huge role in every one's success. When luck meets hard work, the returns compound. When hard work meets back luck, a person feels they were treated unfairly.But chance matters in a way far more than you realize. Heck, a Human is born out of sheer luck.
People don't realize how important luck is, until despite all their hard work they fail. A few people fail over and over again despite giving their best all in the while watching people doing way little win.
It's not a nice thing to go through. It will take nothing short of a disaster to make you believe in a miracle.