The Falcons have been both overrated and unlucky, but I would side strongly with the overrated because they have been non-competitive in these past two losses. If the games were even remotely close, then I could see an argument for being unlucky.
By the way, there was nothing inevitable about the Falcons losing these games. The best way to not lose in the playoffs to the eventual Super Bowl representative/champion is to win playoff games. As an aside, the Ravens have lost to the eventual Super Bowl champion/representative for four straight years. In three of those losses, they had chances to win or tie late. In 2008, Flacco threw a pick-6 to Polamalu. In 2010, Houshmandzadeh flat out dropped a pass for a first down around the Steelers 35 inside of two minutes to play. And of course, this year, Lee Evans had a game-winning TD catch stripped followed by a short field goal miss. Given the close outcomes, perhaps the Ravens have a better argument at being "unlucky" than the Falcons. Still, at some point, it makes more sense that the Ravens just have not been good enough, rather than unlucky.
Another aspect to this discussion is that this year, 5 of the 10 teams that made the playoffs and missed the Super Bowl lost to an eventual Super Bowl representative. Every year there are 4-6 teams that fit that description. So there's roughly a 50% chance that a team that makes the playoffs (and not the Super Bowl) will lose to a team that makes the Super Bowl.