I think what I really was trying to say is that you can increase your luck surface in one area at the expense of decreasing your luck surface in another, e.g. b

I think what I really was trying to say is that you can increase your luck surface in one area at the expense of decreasing your luck surface in another, e.g. by not being "lucky" enough to have sufficient funds to recover from a jam like a car break down. Like, just saving money for a rainy day fits the bill for increasing your luck surface.