Luck can be quantified. Each person has a set max amount of luck they can carry with them, and a set flow rate that their luck is replenished.
A person throughout the day uses there luck all the time, without even realizing it. Each time you take a risk, big or small, you use a portion of your luck reserves. Here is where people run into problems. Using too much luck creates a luck deficit, this is the cause of bad luck. A person who presses their luck all the time with a risky lifestyle will find themselves out of luck when they really need it.
Don’t worry too much about you’re own luck deficit. The important thing to remember is too be aware of events in your life and how much luck you are using to accomplish your goals. If you use a lot of luck in any given day, lay your head down low for for awhile. Don’t take any additional risks. Depending on how much luck you used, your luck will be replenished in a few days or weeks.
Another important aspect is that luck can overlap between people and even be shared. This happens because the two people are close emotionally, or sometimes just physical proximity. A person in a luck deficit will attempt to replenish their reserves, this happens naturally, but is sometimes not enough and that person becomes a luck black hole to those around them.