At the discretion of the GM, Luck is used in any situation where a gamble is taking place. A gamble is not just betting money. It also accounts for any potential outcomes for the player or the party. Luck can determine several potential consequences or paths the story takes. Ultimately, how Luck is used is entirely up to the GM. For example, if the scenario’s progression is halted by a challenge, perhaps a player is chosen to roll luck to see if there are enemies patrolling nearby that may take notice.