JimMorrison:
Like unrest events won't hit you if you take Luck
They are just less likely.
I think that Misfortune is bad enough, but Luck is not good enough to use your points on it. Luck0 is not worth 80 points either. Luck should increase chance to get a hero by 2-3% per tick, event limit should be removed and militia events should be replaced by national unit events where it is not done yet.