I think it is like most things - there are people who just have bad luck, but there are others who don't plan for the future and blame it on luck. My sister has had nothing but back luck. She became diabetic at age 40, and as a result has neuropathy and is in pain frequently. Its so bad she lost her job. And now she is having problems getting unemployment, and is about to be homeless. She has terrible luck. I am not diabetic, have no major illnesses, and have a good job. I absolutely feel lucky. On the other hand - we have both been told, around the same age, that we were becoming pre-diabetic and should do our best to change our diet and exercise. You guessed it, I did and she didn't. So I feel our actions laid the ground work of where we are now. But I think luck is in there too. She might have tried diet and exercise, and still become diabetic. Or I might still become diabetic, and end up where she is, just later in life. All we can do is try to be responsible, and hope it helps.