Rules TBD.
There must be a psychological term for this - assuming your good fortune is actually earned through merit. It applies to many other aspects of life.
Attractive people think they're desirable because of their personality them because of their personality.
Healthy people think their health us due to their active lifestyle or nutritious diet.
Maybe 'fundamental attribution error'? https://en.wikipedia.org/wiki/Fundamental_attribution_error
It goes both ways. Positive situations are attributed to merit and abilities (I work hard, I have grit, I'm disciplined) while negative situations are attributes to the environment (the gym was too crowded, there's only fast food places near my house).
Truly a great mystery of our time.
Exploitation is hard work