Serious necro but it's a good point. It would be nice to just give it a very wide (like 30m) aura for teammates, so it'd be less tedious to pick your designated looter. Or heck, just make it globally affect all containers.
Perhaps even better simplification would be to make it only apply to killed enemies rather than containers. Would need a big increase in proc chance of course, but it would make it feel less like you need to loot every barrel to make lucky charm worth it. More organic, less compulsive, as Tuco said.
Finally, no lucky charm on loot or buffs, please. Annoying to feel like you need to dress/buff up for every time you loot.
