You mean the kind of luck that happens when I used my school fees to stake a football bet on a 2.0 odd and eventually I came out winning and I had my school doubled, at that time I had no extra funds to buy my course materials, but when my luck played out I felt so good that I took that risk at that time. So to say that my luck played out at the right time.
No. the reverse actually. The luck that you had lost your tuition fee in an attack and heartbroken you used the $20 you had left to play on a casino not because you wanted to double your money and get back your fees but because it was what you felt at the time to do. And when you did it you had an unexpected multiplier and won big. You were able to pay your fees and use the extra to sort out your books and other living expenses.
I was confused all this while from the Op explanation but this reply to odusko has just explained it all. If I get you correctly, I believe this serendipity is just a luck that comes when you least expect. For example if I had the intention of gambling to get money to sorts out my immediate bills and it happens not to play at that moment but happen to play when I just decided to gamble without any intention to sort out any bills and I become lucky to win the amount I desired before to sort out my bills.