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Some characters (well, and players) are just luckier than others. Randomness is a fact of life, and while some might deny that luck exists, inevitability it seems some get a better shake than others. As a scale:

0: Someone that really pissed off a metaphysical entity that has cursed them into a living embodiment of Murphy's Law.
1: The type of person that gets hit by lightning. Twice.
2: Average human. Some lucky streaks, some unlucky streaks. Usually at the most inopportune times.
3: "Wow I won again? That's great!"
4: "He was just one of those guys with that weird light around him. He just knew he wasn't gonna get so much as a scratch here."
5: "And that's how I became sovereign for a day by accident."
6: Could play dice with a demon and still win.