I don't understand this point, and I hear it a lot. Why would it be that luck existed in all areas of life, but not in football? What is it that's keeping the exigencies of the world outside the turnstiles?
Is what's bothering you the notion that if you admit luck into football, you're taking away the players' capacity to influence the course of the game with skill, determination etc? Because that doesn't follow.
Defining it very simplistically, luck is everything that happens that's outside the players' control. If the ball bobbles bizarrely just as the striker's about to hit it, that's bad luck: he can't be held responsible for it. Obviously some strikers will respond to that by feeling sorry for themselves, while others will channel their frustration into effort and maybe get a chance to make up for it. That's not luck.
If you genuinely don't think luck plays any part in football, then you're reduced to arguing that, say, it was Liverpool's own fault that they had a goal scored against them by a beach-ball last year. Which may be a funny POV, but is a bit harsh... they were obviously unlucky.