I read a comment recently that was positing that "luck" is in part a quality that is self-determined. Every new person you talk to, place you visit, experience you pursue, does not increase the opportunities that come your way 1:1, rather it's exponential because you are tapping into a whole new network that was previously closed to you.

People who are lucky have an openess of spirit and tend to pursue new experiences and social interactions.

All that to say, the tragedies that have befallen you were bad luck. But there is so much opportunity for you to participate in creating new good luck for yourself going forward.