Yes, there could be. Maybe it's about not taking things at face value. If Nikki is in a horror situation because she trusted too easily, the moral could be to be more cautious.
Well, it could be terrifying due to the way it builds suspense. For instance, it might start with small, seemingly innocent details about Nikki. As the story progresses, these details start to form a pattern that is far from innocent. There could be elements of psychological horror, where Nikki's mind is being messed with, or there could be some sort of malevolent force following her. All these aspects combined can make it a really terrifying story.
There is also the story of a fisherman. One day he caught very few fish, which was bad luck. But on his way back, he found a precious pearl on the shore. This sudden discovery of the pearl was good luck. Chinese stories like these often teach people that good luck and bad luck can be relative and can change over time.
Once, I was running late for an important job interview. I missed my regular bus which was bad luck. But then, a kind stranger offered me a ride. That was good luck. I got to the interview on time and even managed to impress the interviewers. In the end, I got the job.
I'm not sure who Nikki Yovino is just based on this title. She could be the author of the story, in which case she might be a writer or storyteller. She might be writing from her own experiences or from her imagination.
The 'good luck bad luck horse story' might be a story that uses a horse as a symbol to illustrate how things can change from good to bad or vice versa. For example, a poor farmer finds a wild horse, which is considered good luck as it can help with work. But then the son of the farmer tries to ride the horse and gets injured, which seems like bad luck. However, this injury might prevent the son from going to war later where he could have been killed, so it turns back to good luck again. It shows the cyclical nature of what we consider lucky or unlucky.
Well, in some traditional cultures and folk tales, there might be specific stories about good and bad luck. But who exactly knows all of them? Maybe historians or scholars specializing in cultural studies might have more insights.
One common theme is missed opportunities that turn into something better. For example, missing a flight which seems like bad luck but then getting a chance to meet someone important at the airport. Another theme is unexpected help during difficult times. Like when you lose your wallet and someone returns it with more money in it. It's bad luck to lose it but good luck to get it back with extra. And also, natural disasters or accidents that lead to new beginnings. For instance, a house getting destroyed in a storm but then the insurance payout allows you to build a better house.