I used to believe in the falacy of "bad luck". Sure bad luck exists, but on nearly to the degree it is claimed. "Bad luck" as it is invoked so often is merely circumstances form poor decisions nearly 99.99% of the time. Driving down the road and having something fall off an airplane and hits your car is "bad luck", something in which you have absolutly no control over. Not drinking, smoking and waking up one day to discover you have a brain tumor is "bad luck". Almost every circumstance can be traced back to a poor/misinformed decision that is the root.