Fate, Destiny, Will of God. Call it whatever it is but I think all works the same way. All are designed to protect you whatever the costs are. Whatever the costs, you ask? It may or may not ruin your life for a day or you may or may not lose something important. And I guess we need to deal with these things because it is for our own good.
Think of a time when something happened to you and you regretted it deeply. Let's say, you got sick, missed work, missed your promotion, it was given to another and you lose. Another scenario might go like this: You love someone, it's your best friend, you tell her, and you friendship goes down and you get heartbroken then lose a friend. Let's not focus on the negative aspect. What about this? You missed the bus you are about to ride, you take a cab, then on your way, you see the bus that you were supposed to ride, crashed and in flames. Lucky? Wait, that's a bit brutal don't you think? Let's have lighter one. You are a regular nurse caring for all the patients in the ward being nice to them, an old dying cancer patient asks if you could be a private duty nurse for him, you agreed, and as he dies, some of his riches were entitled to you according to his will. You see, this is not just a form of writing that I am exaggerating. These events are and can occur anytime, any day, to somebody, to me, to you, to anybody.