that would never happen to me because i am not a careless, stupid person that deserves to die
So by your logic, everyone that makes a fatal mistake is a "careless, stupid person" that deserves to die?
Alright, so let's say you're driving. There's a speeding car coming towards you. You don't know which way it's going to turn, so you swerve left. The car also swerves left. You get killed.
Are you still a careless, stupid person that deserved to die just because you turned left when you should've turned right?