I personally believe more in luck. Skill does exist and can increase your chances of winning at gambling, but that doesn't mean it's independent of luck. No matter how good your gambling skills or knowledge are, luck also plays a role. Now, if you're confident in your skills and think you'll win, I don't think that's likely to happen if luck isn't on your side.
Other than that, I believe that gambling involves luck, even in games that require skill.
Personally, i don't believe much in luck. i believe more in karma and the balance of the universe, if i really have to believe in anything.
I think we are the creators of our own karma and destiny.
The more bad people we are, the more karma punishes us.
It's ok but luck is there you can read in every piece of land in the world every culture made a statement about luck.
Not only that thinking with logic also "luck" exist by itself because karma is like you said develop for what you do, but luck is some from outside of us and that is the main difference is something we can't control.