Put this one in the “wish English had a word like this” box.
Google-translate the English word “loser” into Bulgarian and you’ll get two translations: zagubenyak and karak.
The first means literally “one who loses” (za-gub-en-nyak = FILLING-lose-PARTICIPLE-person), and it refers to someone who’s in their sorry state because they are foolish. Karak (maybe from Turkish kara=black?) is a person who is unlucky, who fails through no fault of their own. What a charitable assumption to make 🙂