In psychological terms what you are discussing is perceived "locus of control" - the degree to which an individual perceives that they have control over their life. I realize that you are saying two types of people to simplify the discussion which I agree with. In actuality these sorts of things tend to be on a spectrum within the population which again you ate probably aware of. For me personally I believe that I fall into the second category. I dont believe in luck other than it being related to random chance. So I would say that I have a relatively high percieved locus of control.

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