You can not be on your A game all the time, so yes it's about luck. If everyone just made one mistake every week you would still have a high chance of seeing them all the time.
For me being experienced in traffic means I try to act as a buffer for others mistakes. If you know all of those situations that lead to bad out comes position yourself so less experienced people are herded to the safe ones.
"All those situations that lead to bad outcomes" are situations where I blame the victim for relying on the fatalism of luck. If you come away from a crash and think "oh man, I was just really unlucky" then you're denying yourself the opportunity to learn from it.
For me being experienced in traffic means I try to act as a buffer for others mistakes. If you know all of those situations that lead to bad out comes position yourself so less experienced people are herded to the safe ones.