This whole thing is one of those fruitless arguments about a badly defined notion of "most people".
For instance the scope of the "especially chance" assertion has strange effects. Does "get born in the wrong year" include 300,000 years of human history? In that case chance has very little effect. You're overwhelming likely to grow up using stone tools, with a 1 in 3 chance of also having access to pottery.
But that would be silly and obviously wasn't the intended question. The intended question is one that's closer to home, a question that we care about. But how much closer to which home, and what exactly is the scope of the question? It can be made less about luck by filtering out the unlucky from the scope.
Wrong year as in landing on a giant generational recession at the time period in life when people usually accelerate or maybe a world wide pandemic landing in your formative years.
Wrong year is a much smaller time scale. An example more close to home on this site, you/me just missed the free money cash days of the fango mango tech companies. Sure, there are still some of those jobs but far fewer with where interest rates are at.
I used to think a wrong year was maybe 1:80 but at 50, I've seen some unpleasant shit every decade.
I keep thinking about some odd-ball numerology weirdo I met on a trip in GG park about cycles of the universe and prime number harmony.
In the real world there are just boom/bust cycles, make hay while the sun shines. IME you'll be part of 8 cycles, 5 of which you can control a small part of.