Girl fortunate to have avoided work, ultimately (4)

I believe the answer is:

lucy

'girl' is the definition.

I cannot understand how the rest of the clue works.

(Other definitions for lucy that I've seen before include "- in the Sky with Diamonds (The Beatles)" , "-- Locket, nursery rhyme" , "Ms Locket?" .)

I've seen this clue in The Times.

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