Just a throw-in to that luck thing: If your world contains some Goddess Of Luck aka Lady Luck or so, praying to her could increase the possibility to have better outcomes or so … Although "luck" as such is a neutral thing … So it could be applied into negative values as well …

It's like … something I know from TDE. There is an "extraordinary success" of the use of talents/skills - AND there is the exact opposite !

The exact opposite - more than a mere "fail" - should have some drastic consequences then, too.

But I feel that this would be rather liked by old-school RPGlers …