I think you're reading too much into that line.I just rewatched El Camino he says after Jesse came up short on cash he says “From where I see it, you made your own luck. As did your former partner. As did your lawyer.” meaning when Jesse didn't take that ride after that everything was on him.. when Walt left his hideout everything that happened after that was on him... And now after that cold opening we see Jimmy refusing ED's help also. The writers don't put lines like that in their show as throwaways. Saul is done for sadly. also we have no gauge how long he been hiding.
He's more or less saying, "it is what it is"
They all were in fukked up situations, so essentially that's their own "luck" and the bed they've made. Since El Camino happens immediately after Breaking Bad, Saul's "end" hasn't happened when we see that Jesse interaction with dude in his shop.
The writers have always said, that Better Call Saul will show us events in the Breaking Bad Universe that happened before, during and after the show. I think all the black and white scenes that are shown on Better Call Saul are clearly after the events that happened in BB and El Camino.