Why do they always say "We Got Lucky"?

Today, after my first official day at work (don't get too excited dear reader(s), it's at a deli) I arrived home excited to kick up, relax, eat some hard deserved breakfast (at 2pm) and enjoy myself.  However, after a frantic knock at the door, I was informed that my car was on fire.
Lo and Behold, it was.  I dialed the dreaded digits 9-1-1 (and yes, I did have to ask "who do i call?!?!?!") and waited the years it took for fire trucks to arrive.
At this point, my car is engulfed in smoke, flames are shooting out from under the bonnet (the hood for all you American types) and the fence around where my car is parked is only fueling the fire.  All the while, the neighbors are standing around, taking photos with their snazzy new i-phones and pointing out my misery.  (That's right all you motherfucking Sparta snobs, laugh it up.)
Meanwhile, all I can think about is how the fire is going to spread the 1 foot gap between my car and my garage and obliterate the house my mother and stepfather have recently renovated thus leaving us homeless.
ADRENALINE.  i was outside standing in the snow for 45 minutes barefoot just watching my car slowly melt.
Later, after the fire department told me it wasn't as bad as it seemed, and that the damage to the house was minimal if anything (needless to say the car was fucking totaled) my stepfather and mother and I pow-wowed around the kitchen island discussing the events of the day.
The phrase that resonated with me most was how they both agreed "We got lucky!"
Yes, I agree, things could have been atrociously worse, I could have been in the car when it spontaneously combusted (and yes folks, during the fire there were two mini-explosions and I did let two, freakishly girly screams escape my being), the house could have been burned to the ground, the neighbors' homes could have gone as well... etc. etc.  yup. it could have been extremely bad.
But in my book, your car catching fire is not "lucky"
Lucky is when you have an uneventful day, get to relax after a hard day at work and enjoy the simple things.
I promise you, tomorrow, I will enjoy all the luck I can.