Luck is when opportunity is given without any effort and hard work is the result of patience and potential

I will add a point to it. Luck beings the opportunity and the hard work make this opportunity fruitful. Suppose you are not ready to avail the opportunity you got by luck and you keep on being at the same place where you are without striving for the progress then who is to blame? The luck or the hard work?

I agree with the point of skills. Everyone isn't born to do everything. If we strive in the area we have got innate talents for, the progress goes farther