Being born in a country that is prosperous with a stable government isn't a matter of luck?
A matter of perspective. Some would call it luck, others fate. But whatever it is God hands us in our lives we are expected to make the most of it. There will be an accounting. I do not expect you to go and sell all that you own and give it to the poor, but remember and say to yourself when you see them that "there, but for the grace of God go I."
No. It isn't a matter of "luck". It's God's plan for my life. There is no luck involved. I am fortunate not to have been born elsewhere, and for that I am grateful.
You have no clue what I have or have not given to others so please dismount from your high horse. Get the log out of your eye before you worry about the mote in mine.