What on earth are you talking about? The text you quote says literally "wallowing in guilt over it would do nothing" and you're asking "How does luck deserve the feeling of guilt?"???
Most communication isn’t a legal contract, and a lot of meaning is implicit, not just what is explicitly said.
I’m not saying I agree or disagree with the statements you mentioned, but "wallowing in guilt over it would do nothing" implies wallowing in guilt is a natural or even expected feeling. The person you’re replying to is questioning why someone would wallow in guilt in the first place.
You don't see why people might feel something (including guilt) upon realising most of their place in life comes from luck and factors beyond their control?
Surely I'm missing something.