I didn't say accidents never happen to me. I said, having common sense (ie not using a sensitive piece of electronics while literally sitting in a bathtub full

I didn't say accidents never happen to me. I said, having common sense (ie not using a sensitive piece of electronics while literally sitting in a bathtub full of water) would have prevented the original problem. Accidents absolutely happen all the time. That doesn't mean we shouldn't try to avoid them by applying common sense to our actions.