I think your situation has nothing to do with luck and rather has a rational explanation. People lose the most when they aim for the big win because it drives a person to desire more, which leads to riskier moves combined with increased emotionality (especially when one starts chasing losses and loses even more).
When some people win big, it's because they weren't afraid to try a more aggressive approach! After all it's gambling, where's the fun if you don't risk here and there?
On the other hand, when someone plays for fun and doesn’t look into big wins, he might as well get lucky and win, because in this cases moves won’t be as risky and probably less frequent (people sometimes tend to play very fast under the emotional influence).
I am not sure I am following you here... who plays for fun with small stakes will have to play slots or some games that have high payouts! When you do that with a small balance you are still risking losing everything, without any big hit!
We play to win... we are emotional when we win or lose, we are emotional while we play, and all that can be entertaining, especially when we are having good wins... and luck is just a part of everything, getting lucky is a product of trying and trying, if you don't try I guess you can't get lucky in the first place!