It may balance out in large scale, but not small scale. I've known a few people who have never had a bad thing happen to them. Opportunities fall out of the sky for them, if they're doing something that has a small chance of success, it comes in that time, etc.. Then there are people like me. None of my opportunities pan out, nothing comes my way by chance, when I'm doing something that has a high rate of success, one of the few times it fails is the time I'm doing it.
I think there are lucky people and unlucky people. In terms of the human race, maybe it evens out. I do not think that an individual person's luck averages out. Statistically it's impossible because people die. There's going to be X amount of good luck and Y amount of bad luck for someone, a total amount XY when they die. And a std. deviation.

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1984 300TD