"There is no conflict with someone that wants to be rich, and leaves work the same way he always does and just happens to stumble upon a lottery ticket. I don't care what color hair he has, or how he kisses his wife, or how long he brushes his teeth. I find this to be a very boring inciting incident because there is no conflict."
You're building strawmen here. If the opening sequence of the film, was a person finding a lottery ticket - it likely wouldn't be the inciting incident. The inciting incident would likely be further on - perhaps when he goes to CASH the ticket. We get a bit of the first act to build the ordinary world.
In your example, you took the time to 'build' an ordinary world, where the stock tip he receives out of the blue - is somehow more relevant than finding a ticket out of the blue would be. If he had not received the phone tip in your example, the choices he made following it would not have occurred.
If he doesn't find the ticket on his walk to work -the choices he makes would not have occurred.
Both incidents occur in the course of the hero's ordinary day.
Bad writing will screw up either example - sure.
I understand what the Deus Ex Machina is - In my first post I describe it as the unsatisfactory way to END a story.
I think that people may have some confusion about what constitutes an "inciting incident" -- just what it means.
You start with a character who is simply going about the normal activities of his life - whatever that may be -- being a stock trader, being a burglar, being a crooked cop, being an unfaithful husband -- being a kid on a distant planet longing for adventure, being whatever he or she is, doing whatever he or she does, carrying whatever thematic baggage he carries in the normal course of his life.
But simply going on his way.
But then something happens - and that something *changes the trajectory of his life" -- and it is that change of trajectory that causes the story to get underway.
Whatever that event may be, how it happens, when it happens, where it happens -- that's not the point. The MC doesn't even have to be there. It doesn't have to happen in the same place, in the same time, on the same continent, in the same *epoch.* All that matters is that the incident, whatever it is, is the thing that is ultimately going to intersect with the MC and knock him off of the trajectory of his normal life -- and that gets the story started.
So -- what is the inciting incident in Jaws? The inciting incident in Jaws is the opening scene of the movie -- it's the arrival of the shark on Amity.
Yes -- the inciting incident occurs before we even meet the MC. Because when you ask the question -- what knocks this guy's life off it's normal trajectory?
Answer -- a shark arrives on the island.
When do we see that happen? Opening scene. He's not there, doesn't even know about it at that time. It's not his "finding out about it" that causes everything to change because he really doesn't "find out" for sure for quite awhile, and then only in dribs and drabs -- no. It's the arrival of the shark itself and what it does.
You could have an inciting incident happen on the other side of the world from the MC -- a terrorist delivers a nuclear bomb to somebody -- oops -- that it. Inciting incident. A bit later, we meet the guy who's going to have to stop it.
Or for that matter, it could be a meteor flying through space -- cut to some guy driving to work. Chances are, at some point, these two -- meteor flying through space and guy on his way to work, are going to meet up in a way that's going to disrupt this guy's normal routine.
Or you simply get up one morning and wouldn't you know it? The dead have started coming back to life and eating the living. Hate it when that happens. Not your fault. Didn't have anything to do with you.
You were just going about your normal life worrying about your everyday stuff -- suddenly, without warning -- somebody's trying to kill you and eat you. Deal with it.
That's what you call one major inciting incident.
Now -- obviously, the storyteller crafts the story in order to develop the theme he has in mind, the inciting incident, just like everything else, isn't going to be arbitrary. There aren't "really" any coincidences in stories -- everything is in there because we put it in there.
So obviously, the shark doesn't just happen to find its way to the island nor the lottery ticket just happen "by chance" to find its way to the main character of the MC in question.
Of course not. Rather - we, as storytellers, have chosen to *tell a story* about somebody who is facing the challenge of a great white shark, or conversely, of somebody who has won the lottery. So we send them the winning ticket, or the shark.
But it's perfectly fine for us to choose to tell the story of someone who is "sent* a shark by chance and then has to deal with it, as opposed to someone who goes looking for sharks, just as it's perfectly fine to tell the story of someone who simply stumbles upon a lottery ticket by coincidence, and then has to deal with it, as opposed to someone who is, in some sense out looking for lottery tickets.
You can certainly tell either kind of story -- but they are different stories, and both perfectly legitimate stories to tell. We can "craft" the coincidences of our stories in exactly the same as we "craft" the predestination of our stories -- both can work and both can sometimes stick in people's throat, depending on when and how we use them.
NMS