• I specifically stated that "I apply to jobs I want". Your statement indicates that you consider all work to be a waste of time. I personally want a job developing AI tools that work for the betterment of humanity. I wouldn't need it to pay well as the investments I make on penny time would be my income. Also, it is one of those things that take too long to do in 12 hours, and having a team to work with helps a ton too.
• The trades aren't taking 12 hours. If you had the golden touch, and intended on making trades that had long-term viability with 100% success, then an hour or two a month would be all you needed. This also makes sure that the growth is slow enough that the SEC doesn't get alerted.
• I didn't say I was going to take a walk to take a walk. I said I was walking around for a few hours to see what good fortune I could find. Again, if I have 100% successful luck, then everything I do is charmed. Walking "aimlessly" around most towns while under such an effect greatly increases the opportunities to happen across something that is beneficial.
• The limitation is that you mentioned at the end, the 12 hours every 2 weeks. There is only so much that can be done in that span of time. Everything I mentioned was specifically designed to expand the knock-on effects of the good luck into the rest of the time that I don't have it. A stock portfolio with guaranteed long-term growth, research breakthroughs which need to be built upon by experimentation and work, meeting the right people and forming the right relationships in my community, a long-term employment that provides me the challenges and long-term results in the world. The biggest challenge is to make sure that you have a good life that makes a difference while you have your normal luck, not concentrating on short term success.

I actually wonder if the coin interacts with an int stat. What if it's more nuanced than you'll attempt to create a replicator by doing x and you will successfully find out that it's impossible to do it in the way you intended.

I'm thinking like "I'm going to make a replicator in my garage" then getting stuck since you don't know how to make the attempt. If you would know how then you'd be successful of course.

Again, not all jobs are about money. I want something meaningful to occupy my non-lucky time. All being rich means for me is that I don't have go suffer while I pursue it. It also affords me more time to focus on what I want to focus on and lead a much lower-stress life. I'm not looking to enrich someone with the job, but I would like to enrich the world.