I don't believe in luck- good or bad; things just happen. If people are older they are likely to die sooner. If people are ill it can be because of various factors including those which are self inflicted. If people lose their driving licence maybe through bad driving practices then that is not bad luck, it's the law. If it's because of a medical condition then it's to ensure safety on the road for all users and so on.
Sometimes people's attitude to life can lead them more down the path of thinking everything that happens to them is bad luck but the reverse, of course, is also true.
Parents-in-Law. What do/did you call them?