Not getting a serious illness that your insurance won't fully cover is luck. Not being sued into oblivion by some asshat is luck. Not retiring during a major world recession is luck.
Also, if you hadn't noticed, there are a lot of rip-offs, scams and ponzi schemes going on in the investment market. Supposedly skilled and knowledgeable investors fell for them because the crooks are good at what they do. Would be nice if you could get by with just safer, guaranteed return investments rather than having to become some kind of financial expert.