I think you've summed it all up. It's probably has something to do with people like us. Maybe when one feels invincible and immortal, they tend to do things without being careful.
In my 20s I made so many of those rash decisions and took terrible risks.
It's not my life anymore and I won't do those things anymore.
Yeah, my cousin was one of those people who was really successful in many things and it worked for him, but a lot of things have gone wrong.
Maybe if I still felt young and immortal, I could have been that way, but apart from my present condition, my life has changed in many divine ways.