• 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.