Pots of Luck
The assumption is that one finds one's self in a situation where one takes a chance that whatever is available will prove to be good enough.
A similar viewpoint simplifies and says whatever is available at the time.
Then there are jackpots and, from what I understand, there's a pot of gold at the end of the rainbow. Not that gold is exactly the same as luck. It's implied in this case.
Anyway, I think luck and chance are about the same.