Karma in my plain is... Receiving what you give and then some.. But Karma is a different word than luck.
One term that might help is a dictionary term and only one i thought might be of some help...
luck (n.) Good fortune or prosperity; success: We wish you luck.
Wishing you luck is equal to wishing you prosperity in your experience. It as most all depends on context... But my dear watson continue with your Philosophy now that you've been obliged follow through and indulge us as you comitted earlier
And not a question to my answer an answer to your reason and then a question if this is the line of detective work.. Give and take