I'm not sure what that has to do with my observation that "small percentage" events do occur in small percentages, and that they do occur in large absolute numbers when multiplied by sufficiently large numbers. My point is we shouldn't be dismissive about it not going to happen to "us", because it
will happen to nonzero amounts of "us", and that's kind of the point of the mathematical reasoning.
But to your point: Someone else is disputing you on this, but I would say even that it's irrelevant what life expectancy was 100 years ago. Today in the present reality we are talking about mostly preventable death. I don't think we should be so arrogant to say that we can prevent misfortune all the time, but we're not talking about inevitability either. We have medical technology and progress for a reason.