I wouldn't call it "luck". The entire Universe was specifically Designed to assist us (Autonomous Individual Intellects) in our development.
The way I woud express what you mean is that most people just DO NOT APPRECIATE what they have. "They have eyes and do not see..."
The Great Intellect knows ITSELF. It knows exactly how difficult it was to evolve alone in the darkness. We do not know how long it took and how many disaster recoveries were necessary.
I cannot imagine anyone intelligent who would put their children alone in the dark to evolve. Can you? This is why I am quite sure that one of the key functions of the Universe is to assist us in our development. There only assumptions I need to make is that the Universe had the beginning and that the Designer of the Universe is intelligent.