Luck gods and luck saints

The different aspects of a person have different natures, each of which might linger on after death as a different kind of spirit. One of these aspects is the luck of a person, which can live on as an embodied luck-spirit. These luck-spirits don't seem to have memories of even personalities per se, but they do often retain some of the bonds of the living person—to their descendants, to a place, to a community. It's hard to know what motivates a luck-spirit, but they are clearly aware of the living world and react to it; they like being shown respect.
Different types of luck-spirits act and are perceived differently:
Luck saints are a particular type of ghost, the luck of the departed. They seem not to be attached to anything in the mundane world; they drift around, eating luck from those who "spend" too much of it (e.g. risking chance), but sometimes giving luck to those nearby. Luck saints are invisible, and can only be sensed by detecting magic or undead. This why games of chance are frowned upon in Malfa, and illegal in many communities in the Forges.
"Saints!" is a popular cussword in Malfa, on the level of "dang!" It refers to luck saints.
Gods of luck are singular beings who represent the luck of an entire community or family. They're like socially-minded luck saints, and are venerated by many in a form of ancestor worship. Depending on the culture, a god of luck could be a household god or a city god. This small god brings good fortune to its members, and bad luck to threats.
Different cultures believe different things about the origin of a luck god. Some think that a luck god is the spirit of a single ancestor; this might be the same spirit for many years, but then replaced by another, more recently deceased ancestor. In other cultures, the luck god is considered a composite of all luck from different ancestors, in a single form. It's possible that both types of luck god really exist.

Gods of luck in practice

Hewellen and Valni settlements (dwarvish and orcish, respectively) each have their own luck. Occasionally there might be more than one; In Éagrim, the largest Hewellen settlement, the forges have one luck, and the row of artificers' workshops has another.
Both dwarvish and orcish communities consider the luck to be a composite figure, not the spirit of a single person. Stories say that they can take the visible form of an animal; animals are often used as the focal points of rituals for this reason.
House luck: Pre-Malfa Maveren used to believe that each House had its own luck, but since a House's members were often far-flung, the luck might be with one or another group of them at any one time. In the time of Malfa, this idea continues—it's still believed in, but the House luck is often less tied to Malfa than you might think, though it's hard to tell if they're there or not. It's considered a generally ill-omened time when there is no House luck in the city.
Many Maveren believe that a particular deceased member of the House acts as that House's luck—the founder of the House, or some other hero. For instance, Sjolfri House's growing prosperity in trade is sometimes taken as a sign that Crane and Heron's father, the superb negotiator who created the web of trade agreements that benefit Malfa, has become the luck of Sjolfri.
The goblins of Five Bells believe that each ancestor is a luck god, but some are more active than others.
Up the Tenneril River, both river dwarves and humans see luck saints as non-divine non-ancestors, but worth respecting as spirits. You'll see the occasional roadside shrine, a little shelter of woven branches, for the luck saint to rest in.