Lady Luck is a cruel mistress; the best way to beat her at her game is not to play.
It's usually not a good thing in life to trust your fate entirely to luck. We strive to amass skill precisely so we aren't limited to luck, which is a fickle friend and often turns against us.
While the rewards can be great (winning the lottery would be a good example), the failures are too statistically numerous to ignore.
Whenever possible it would be better to use a guided system, such as numerically distributing stats from a chart in this instance. With those more consistent results, it comes down to the skill of the individual, which is something we wish could happen more often in life.
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