I'm gonna second the good luck side. Face it, humans are not the greatest of animals. We run slow, don't climb very well. For our size we aren't that strong. We don't see, hear or smell near as well as some others. We do have the power of reasoning, but don't use it often enough or very well. ( just think of any case of "here, hold my beer and watch this!") Probably our biggest advantages are the opposable thumb and written language (which gives us the advantage of immense knowledge transfer). But the Lord protects children and fools and I usually get double credit. The biggest thing keeping humans around seems to be good old lust. Through war, famine pestilence and disease, lust has kept the species going. That and a wierd little collection of emotions: Compassion, loyality and and a sense of community. The idea that you can do something that in the short run is against your own best interest but in the long run benefits if not you, at least your prodgeny. Like pay taxes, join the volunteer fire department or the Army-all of which in the short run may seem to be a bad idea for your own health or wealth.
The bad part of the equation seems to be that it is in the aggregate. That is, overall it comes out a plus. On an individual basis, some folks seem to just get hurt over and over for no reason and others seem to have all the good luck. That's where the compassion comes to the rescue- at least sometimes.
Myself, I have had way more than my share of good luck. (and I hope it continues!) I would say I have been blessed (and I'm not terribly religious). others would view it a bit differently and that's ok too.