Huh? Competence is all about what a person says and does.
You seem to think that an amateur burglar is just as likely to blunder into a situation unprepared and unawares as a competent one. I don't agree.
You stated that "competent people make their own luck". Competent people are better at the tasks they are performing, which is true. Competence has nothing to do with "luck" or events not caused by whether or not they are successful at what they are attempting to do.