It's not pure luck but yes she has a plot armor, Song should have her killed instead of waiting to see
I mean no one has overpowered the song's assasin but she can overpower him everytime. She can easily punch Dk and Hamin two giants and remain untouched. And i don't know what is the role of ML here, it is to always enflate the ego of FL. That you are always wrong(loser) and i am always right. That's not how it works even in fair tale.
This is like a fairy tale; everything always turns out to be good for FL at the end. And it's not her intellect but pure luck, and people keep supporting her unconditionally. Too good to be true. Crazy plot armour IMO.