Every day we win the inverted lottery. We just don't notice them all the time. There are an infinite number of ways to die at any given moment, and an infinite number of moments in any finite amount. So, living successfully through a finite period of time is effectively winning the inverted lottery an innumerable number of times.
This happens to us all daily. However, we tend to remember the times where, like in this story, the nearly-avoided death is more obvious.
Accidents are almost always something very silly, stupid, and something that could just happen to anyone. It only takes a single rock in a slightly wrong position, then your ankle will slip and you fall directly against a lamp post, hit your head, and you're dead.
It is interesting that people don't so much wonder "why did it not happen to me?"—until something happens, and it is then when they're much into wondering "why did it happen to me?".
Basically you need a breath a few times a minute and getting one is largely out of your own hands. And the countless possibilities to get involved in accidents just makes it very easy to build trust in the universe, if you think about it. Nervous about your startup? You'll be just fine, because there are countless of "smaller" things in your life that could fall down before that. And mostly even they don't.
And then again, most people go long stretches without anything happening. I feel that thinking about what will keep them without accidents and what will keep others cracking their heads inevitably leads, and narrows down, to the question of what is your theology.
This happens to us all daily. However, we tend to remember the times where, like in this story, the nearly-avoided death is more obvious.