"Luck" is often a reason given by losers. It's the argument that shifts blame away from their own poor, often stupid decisions. It's used by losers when it comes to starting and running businesses, just like it's used by losers who failed to buy-in on cryptos or stocks when they were low.
"Oh, your business actually took off? You got lucky!"
"Oh so btc hit 69k? You got lucky."
They talk as if they had any clue whatsoever (because to make the assessment you need to understand the matter at hand), but if that was the case, they'd be amongst the actually objectively successfull people.
So ... yeah, right. I didn't make the right decisions at the right time to make sure [project] works out, after doing lots of research. No, I just got lucky. I didn't put hard work into [my project], I just got lucky.
Fuck. You.
It's not luck. No. It's simply not being a clueless loser. It's "putting hard work into reaching your goal". It's "not giving up". It's "standing your ground against the losers who want you to fail".
If these people you're mentioning, were so smart, they'd be rich.
Now take a good fucking guess why they're not.