Luck? Yes.

For example, some people get in car accidents that in theory "should" have killed them, but they come out unscathed. Or some people win the lottery by picking random numbers (except that lady who graduated with a PhD in Statistics from Stanford who knew number theory well enough to pick the right numbers in the lottery to win multiple times in a row and pocket $14 million or so.)

Karma? I tie that in with luck. Some people do things that have high risk for going awry, and they get lucky that nothing bad happens.

But higher up? I can't say one way or another. I don't want to get into a debate about it, so I'm just going to say I look at things from a scientific standpoint.