I personally don't like relying on chances, there's also not enough builds that support huge decks.
I would like to see that for every hand played the chance for both effects to happen increases by 1
for example
The multiplayer chance starts at 1/5
I play 2 hands without playing the lucky card and now the chance is 3/5 and money gain chance increased from 1/25 to 3/25
The chances reset when played
The money gained could decrease from 20 to 15 or something.