I would disagree that some people just get lucky. Even "lucky" people can be miserable, they have more than they need, and some of them even CTB. I think it's more of a way that people perceive and cope with things. I know people who went through much more than I have, but they either make themselves believe it's God testing them for the afterlife, tell themselves it's going to get better eventually, or just live from day to day not thinking about what the future holds.