Wow really? Because I have like, 12 or so shouts with 5 souls to spare. Do you fast travel a lot? I tend to fast travel half way to where I'm going, then actually walk the rest. A fine balance.
...But to answer your question, you would seem unlucky, I guess. I mean, if I were attacked be a dragon in real life, I'd probably consider myself UNlucky, but w/e.