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Yeah it's purely coincidence. It's the same as planets raining diamonds or the planet made of gold or anything like that. We just got this lucky strike during our existence. >

Sooo… we struck luck(?) and a tiny bit of gold. 
Don’t think coincidence and luck are the same. >

Gold is mostly valuable because its rare. If we lived on a Planet with much more Gold, it would be way less worth >

I think the coincidence is that we are living at a time to witness it.