Incidents and accidents are not the same, incidents cannot be prevented, thus structural faliures will occur, floods happen etc.
Accidents are different, because an accident is not just the incident, it includes the circumstances that lead up to the incident, the conditions that make it worse and the failures of people and systems in recognising what could go wrong, how to prevent or minimize loss, and finally the accident includes the consequencies, and this can include loss of life, health money or business.
Its why we carry out risk assessments, what is most likely to go wrong, what would be the consequencies, how can it be prevented or the damage minimised etc
Accidents are almost always a chain of events that conspire together, so you might have a number of safety systems, such as making sure an electrician removes fuses and locks them away before working on a large machine, but it may be that fuses have blown without explanation on other occasions and the night shift keeps a few for when the sparky isnt there.
This leaves a set of fuses available to an unqualified person to fit when the machine stops, add to this perhaps a very high production rate, coupled with high production bonuses, supervisors who do not listen and are pushy and then untrained workers who are not aware and who would be responsible ?
The answer often revolves around work procedures, such as time pressures and bonuses instituted by the mangement, along with poor controls to ensure correct disabling of equipment and overseeing of the operation, and it would also include the person refitting the fuses, the electrician for not insisting on a permit to work system and just about anybody around. It could even be partly the equipment manufacturer for installing the machine with fuses that were right on the limit and so making them prone to false blowing out.
One change to the whole chain and the accident might not occur.
What tends to happen is that safety systems have several control measures built in, but these can be compromised by practical realities, ignorance, lack of training etc.
If we had perfect knowledge, than we could prevent all accidents, but only if we play our part and not leave it to someone else.
Some folk will just insist on their democratic right to be killed, think of the evacuation during the Mt St Helens eruption when a few folk refused to leave, despite being informed of the serious dangers.
More generally, we cannot live our lives in a total safety environment, we do derive a certain satisfaction from some sorts of risks that we face and overcome, and we would just stultify if we lived too safe an existance.
At times the persuit of knowledge itself brings unforseen risks, Marie Curie was eventually killed by the radiation she worked so hard to purify, as is believed happened to Rosalind Franklin(who died of cance at age 37) with her X-ray crystallography which was absolutely instrumental in allowing Cricks and Watson to discern the shape of D.N.A before others could beat them to it.
Think of your average American football game, its not likely someone will be killed, but serious injury is never far away, and both the fans and the players get a buzz from the playing, the winning and the risking the possiblity of losing and injury.
How far do you think we should take risks, and how far we subject others is another point, think of some situations where people were subjected to risks that perhaps they should not have been, but yet they benefitted, is that a moral thing to do to non-volunteers, or are some circumstances so special that we do have to subject unwilling participants to risks because the benefits are so great, or perhaps there is an evil so urgent and dangerous that it is imperative that we put people in such dangerous straits.
I think we all have a built in ‘risk-o-meter’ and for some it is very sensitive, and for others it gives that buzz of adrenalin when it goes to certain level, but its when we ignore it or switch it off completely that things tend to go wrong.