Where is the option of "neither luck or destiny" ??
I dont believe there is either of them. If someone rapes you, are you gonna say it happened for a reason?? if my country is having the most terrible president and he's doing a lot of terrible things, are you gonna say it happened because we have been a bad people and that's why we deserve all the track of bad polititians with power thirst we've got??
are you gonna say that if someone aborts a child, it happened for a reason that this kid was denied his/her right to live??
Luck: either... you're gonna say "oh I failed my test, that was the bad luck" (well you say it because it's a phrase but you know you didn't study for that test...) I hope you get what I mean. or "what a luck, I won the lottery" that was no luck, that was random. So if you break a mirror or go under 7 stairs, see a black cat or open an umbrella under the roof of your house..does that mean that you will have bad luck? I don't think so
The luck is not a power that is there with you and it leaves you when they mug you, or they kill you. Things just happens in life.
So no luck or destiny, in the life, things happen because they do, and that's it...there's no force that controls what happens to you. That's what I think.