Luck is considered a skill,
I don't think luck is a skill. Skill is something you can learn but luck..? I do not think you can learn it. I think it is more of a wild card in your attribute that triggers when some condition is met.
Yes, it depends on the situation. When a gambler reach the rock bottom and see that he is always losing, he will tend to change his perspective in life and there's a possibility that He will turn to God, believe in Him, pray that God will change his perspective, and to start living a better life away from his gambling addiction.
Not all gambler turned that way, others curse and blames God when his life turns upside down because of gambling. That is the tendency of most people. Pointing the blame on others for their misfortune such as losing their entire living in gambling.