There are many instances of luck.
Your opponent is much higher rated than you but got the flu and forfeited the game.
Or he was out drinking the night before and plays a stinker.
Or he decides to quit chess during the game.
Or he hears of a Bigfoot sighting and resigns to check it out.
The strongest player I did beat in "Høstturneringen, Nordstrand" really had bad luck. He played well but fell for a mate in 78, much because he happend to play a variant of my best rehearsed opening that gave me tempo and flow. If he had played any other opening, he would have won.
That he opened the way he did was my luck, and it also was my luck that he after beeing om the heels in the opening went for victory, and not a draw. He miscalculated his ratingadvantage, and thought he should play for win against his 500 points lower rated opponent, even though he was one tempo down. That miscalculation was my luck.