The problem of moral luck is that some people are born into, live within, and experience circumstances that seem to change their moral culpability when all other factors remain the same.
For instance, a case of circumstantial moral luck: a poor person is born into a poor family, and has no other way to feed himself so he steals his food. Another person, born into a very wealthy family, does very little but has ample food and does not need to steal to get it. Should the poor person be more morally blameworthy than the rich person? After all, it is not his fault that he was born into such circumstances, but a matter of "luck".
not my work I just felt like letting other people read it and think about it.