Based on your examples, the "antisymmetry" of luck has much more to do with the probability of events than it does with the societal connotation of luck. You're more likely to get hit by a car than you are to be safe if you cross a busy road with a blindfold. The market is more likely to be not crashing than crashing in any particular point in time. We don't avoid using the inverse of "unlucky" to describe the inverse set of those scenarios because the inverse is simply likely, not because of a connotation with the word itself. Most events don't model a coin toss.

I don't think people avoid using one word or the other when it's appropriate. The words "lucky" and "unlucky" both map to the same positive statement ("This event that happened was unlikely"). But they have respectively opposite normative statements ("This event's occurrence is good" or "This event's occurrence is bad"). When a person does extremely well and it's unlikely to have happened, such a person will (in my experience) be straightforwardly honest and say things like, "I am very lucky", even if they very clearly had a hand in their success (such as by founding a successful company).

This is to say: I don't think people avoid using chance-based terminology to refer to their or others' success because of a profound insight about attribution. I think they avoid it because words such as "lucky" and "unlucky" are more often associated with events that are much closer to random than they are to simply unlikely. Going back to your examples: if I put a blindfold on and run into traffic, I have extremely limited agency with which to force an unlikely event (my safety) to happen. I'll be exceptionally lucky to be safe. But if I found a company and sell it for $10 billion, it's not comparable to assume I had little agency over that occurrence, let alone none at all.

Mainstream recommendation is to pull investments out of the stock market and move them into less volatile instruments as retirement approaches. Luck (in investmenrs ar least) should become less of a factor as retirement age approaches.