There is a common misconception that life is about being in the right place at the right time. In truth, how you experience life has more to do with what is happening inside you as with what is happening outside.
Like riding a roller coaster without being prepared, if you are not well-tuned to the channel of life, a symphony of miracles could come across as cacophony from the boiler room.
This is what the sages call z'chut –sometimes translated as merit. It means a refinement of the soul, so that it will be precisely on the right frequency and static-clean.