We have a luck as long as we are still alive. It can come out sometimes like in gambling and we can win something but luck doesn't last long so we must learn how to quit before it ends.
I think you are missing something by saying, "We have luck as long as we are still alive," but you are right that it does not last long. Also, know that luck is just an expression when someone is being lucky, not that anyone possesses it whatsoever. It is just an expression to qualify the narrow escape or opportunity/chance that was visible in an event. In gambling, no reasonable gambler will ever think of luck, though they need it, they should rather think of a working vice and plan.
I guess not all the time we need to become dependent on luck because all of our actions will have the result but of course in gambling, it is your choice to play or to make a risk and it is good to make yourself aware about the possible decisions you made like a limit of the designated amount you play and risk because not all day gambling gives a huge amount of winning to us.