The assumptions of cause and effect have some crucial factors that would change "luck" and create "coincidence." What most people regard as "bad luck" in a brand of fate can be a functional superstition - which is sort of a pre-conclusion with a mystery means or function that self-selects to reinforce it's proof.
I've noticed that superstition is a sort of associative self-training process, where the person can't imagine how they caused the effect. So they just remember that when they did THIS, something else happened that they wanted, etc. Just try to walk by a trash can and not look in when yesterday you found money in it serendipidously.
In a social arena, the mystery means can be a cluelessness about what a person could possibly be doing that encourages others to treat them in a certain way. It's a disconnect between personal intent and how social events tend to continue once they are put into motion.
A social example of holding an unconsciously pained expression on your face will encourage manipluators to zero in on you. This may give you a belief that you have a fateful tendency to pick the wrong people to befriend who fatefully later turn out to be nasty.
Or, perhaps your desire to be attracted to people who "like to play the edge" or "enjoy fun" leads you astray without you realizing it, making it easier for you to impulsively go along with a bad idea because you have agreement. (One of the proven social factors is that a group can make a much worse drastic mistake than less people alone.) This disconnect can also occur compared to the way the world works - Nature doesn't care about you personally, and can kill you just the same if you're in the wrong place trying to play with it.
My other observation is about coincidence and recognizing opportunity. If someone has a schedule, they are less likely to notice unusual events that could be opportunties...because they can't deviate from their plans to check out these coincidental opportunities anyway.
That's why so many people are young, they have life-shaping adventures. Once a person opens up, it leaves room for unexpected things to happen. Possibilities for coincidental connections exist out in the world all the time, and most people walk blithely by them and never notice. Older people can't recognize as many spontaneously changing patterns because they've trained themselves to adapt and usually don't know how to undo things. So it usually takes time and significant personal insight to undo limitations and find the ways you're contributing to them that you're unaware of. For me, believability in the characters in a story or movie comes from watching this process.
I've found that by sharpening my attention and asking good virtual questions, I can open up a specific, desired opportunity for myself much quicker than most people. This makes me seem wildly resourceful, but it is what anyone can emulate by example. It's amazing to ask yourself whenever you have a moment to talk to a stranger, "How can I find what we might have to offer each other in the time we have now?"
If you don't recognize "a diamond in the rough" for what it could be, then it can never begin to be it's potential. You have to notice a "turn of fate" is happening long enough to grab it out of the mud and clean it off and use it. If you don't make yourself available, opportunities will pass you by.
The thing about evoking pattern recognition advantages is to do some strategic thinking beforehand. This thinking is often determined by motivation, so it's good to know your criteria. Obviously, desire needs to be coupled with awareness so you can have an opportunity. If you are asking the related and pertinent questions for yourself and tell others about what you're looking for, you're more likely to be able to recognize "fateful signs" when they pop out in front of you. If you don't, they won't happen. So - by putting yourself into a "flux" situation, (such as hitchiking, traveling, & the other environments where the wild card opportunities are,) you make it more likely that the opportunity you want can happen.
My point is that what conclusion someone comes to about their fate or coincidence is determined partly by motives, (the why) and also by when they are motivated to make a conclusion.
Don't forget the factor of the different ways that someone can culturally interpret meaning and come to a conclusion for themselves. For instance, when a person is in a bad way, they are more likely to feel cursed rather than after enough sleep, food, etc. It's often better to decide that the process isn't done yet and this is not the time to come to a conclusion - or to make a sort of working conclusion.