Can one say
a. It seems that there are people who just have to lose no matter how hard they try.
b. It seems that there are people who have to lose no matter how hard they try.
My feeling is that they work, but in them 'have to' does not mean 'are under the obligation to', but rather 'are destined to'. It is their destiny and they can't avoid it.
This is the place to post questions and discussions on usage and style. The members of the Wordwizard Clubhouse will also often be able to help you to formulate that difficult letter.
End of topic.