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What do you mean by luck?

I have often seen people say this person is lucky and that person is unlucky. For e.g. if I win they will say I am lucky and if I lose they will say I am unlucky, thereby attributing all to the luck as if I myself have done nothing. Everything happens as "written" somewhere... destiny they call it. The most perplexing situation is that when they ask: Do you believe in luck? Hell! How to answer this question? It is not as simple as "Do you believe in God?"

What I want to know is, when you would ask someone "Do you believe in luck?" what would you mean by "luck"? Please explain your views deeply.

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