Ok, now I understand where you are coming from, but I regard things diffently. It seems to me that "avoiding bad events" is an incomplete way of looking at the luck scale, and I'll still be perfectly happy to go from luck +2 to luck +3 whenever I can afford it. In fact, I enjoy a positive luck scale - nothing like opening up the new turn to discover that one of my fantically devoted disciples has found some magic trinket or other and brought it to my lab, or that "great riches have been found"
My only real problem with the mechanics of luck at this point is that order - the only scale that has any major effect on income - interferes with the luck I enjoy having.