Song Yan told them that once luck was borrowed, it was really difficult to get it back. She also told them how everyone had a limit regarding their fortune, once that fortune ran out eventually that person would die and since the fortune did not belong to the person who stole it, they would use it for their greed causing the fortune of the person from whom the luck was snatched to lose it even faster which might lead to their sudden death.
She told them how her luck was snatched and she almost died in a car accident. She also told them how she would meet misfortune at every step, sometimes she would even choke on water when she was drinking and end up getting sick after eating. Sometimes she would even find bugs in her food even if the food was meticulously prepared.