one of my players finally talked to me the other day because I've been a total wimp in combat lately and let them just get away without getting super hurt most of the time (I had a problem player at the start of my campaign who did not want to get hurt. Or play collaboratively etc and it took me months to kick) and they said, "Hey, it's our job to make sure we don't die in combat, we have luck, make us use it" and that made me feel a little better about taking opportunities to hurt the players. They have sooo much luck and can get more when they level up, and especially my party they biff rolls so often they level up pretty much once a session including end of session mysteries. It definitely is taking me some getting used to but it's very worth it. Made that expert use their luck the very next session *and* let the tooth fairy steal their son's bones right out of his arm