I feel like the Bard of Light would have like, just the shittiest luck? Like not even "Oh lol I stub my toe all the time" but like actually dangerously bad? Like, if something can go wrong for them it totally will.

What if the opposite is true, though? A Bard that just causes havoc around themselves because of their luck, at the most convenient moments, things break and die and they’re just. There in the middle, unharmed.