We all have the capacity for great stupidity and bad luck. It's part of the human condition. The thing about stupidity is that it knows no bounds so new ways to be stupid are being formed as we speak.

While being prepared helps, a lot, the random nature of bad luck can still put a lifesaving whistle 1" out of reach even if you carried it 24x7x365 around your neck. Sometimes you just don't win, regardless.