I used to have a house that backed up to a county park in Maryland. My shop was out back. I was working carefully at my sawstop (that is what I had back then), standing properly to the left of the kickback path and using a push stick and roller guides. I was just finishing a cut

A hawk decided to throw a dead animal at the window behind me hard enough to shatter it. I was startled and my hand moved enough for my palm to cross the top of the blade.

I would not have lost fingers most likely but it would have been very bad.

To your point accidents are not always foreseeable. Yeah some people work stupidly but plenty of times, It’s just random unexpected events.