Your point is well taken that it's easy to treat fortune differently in different situations. Hard workers that don't make it are "just unfortunate." Lazy people that win the lottery are "just fortunate." Hard workers that make it "earned it."
However, I think randomness (i.e. "fortune") generally plays a much larger role in all of our lives than we care to admit. The American obsession with hard work and merit fuels this misconception. Our brains are also somewhat intrinsically hardwired to intuit simple causes and effects, even when none truly exist.
If you're interested in the topic, I highly recommend reading "The Drunkard's Walk" by Leonard Mlodinow.
http://www.amazon.com/Drunkards-Walk-Randomness-Rules-Vintag...