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"I just got lucky." I can't imagine a more cruel thing to say to someone who has nothing to show for the last 10 years of their life. To say "I just got lucky," is to tell them there's nothing they can do to make a better life. No matter what decisions they make, no matter how hard they work, none of that matters. There's nothing they can do. It's to say, "If luck doesn't smile on you, your life will be meaningless, and you will die miserabe and irrelevent." It's words of discouragement. To say "I just got lucky." Is to wish others harm.