An example about morality and luck.

Come on, how can you compare them? Both are good. Luck is just one extra move, allowing you to strike hard against someone else, while morale is like a double strike, a strengthened one. But the funniest thing is that both morale and luck can affect anyone and at any time...

You didn't even notice the elephant in the room. In this scenario, EVERY ARMY IS STRONGER THAN ITS OPPONENT, meaning the first attacker destroys their enemy without any losses. But if the attacker's morale is weakened and they have nothing to compensate for it, the poor morale that appears at the beginning will turn a sure victory (which they were counting on) into a complete defeat. And no amount of luck will change that. As for the funny part – with an average occurrence rate (of morale), it happens no more than once every 8 turns per round (7 turns), but sometimes it can happen up to 3 times (good or bad morale). So, the chance of losing is quite real.
I can add that in the case of morale, the additional strike can be directed at whoever you want, but in the case of luck, if the planned strike completely destroys an enemy slot, the luck bonus is wasted.