As yet there are people who break schemes but they are counted,for ordinary people(Understand the correct way to refer to commonly,average,most of us) it depends on each person, for example if you ask the wall-street wolf probably will tell you that none is forever, others will tell you that skills are more needed, others that luck is only necessary.As you can realize there will always be different points of view.The same is true in ball games, of course the match result depend on a team most of the time, but this team needs at least a scorer with own skills, but it turns out that sometimes in certain clinchers the scorer fails, and you ask what happened here? and everyone says: failure luck.
There are much difference between these two because you can have as much luck as you want but luck does not give you the skills skills needs to be learned by your self so you have to do something for it luck is just there to help.