Okay - replace '"ordinary" person' with some polite phrase of your choice, which still makes it clear that the victim is
not a head of state, ambassador, top military officer, Speaker of the House, Fortune 50 CEO, etc., etc.
No, I am not arguing that your idealism is morally wrong. I am arguing that the real world very often functions in ways which bear little resemblance to your ideals. No amount of idealism about "the gutter should have been stronger, and the ladder more stable, and..." will change the fact that my brother fell off a roof when young. Nor erase the injuries which he sustained. When I or people I care about are interacting with gutters and ladders, I stay very alert, and strive for "zero idealistic thoughts".
And - this sad state of affairs is nothing new. Upton Sinclair wrote The Jungle, The Brass Check, and other works (about the deep and systematic moral failings of corporations, journalists, etc.) over a century ago.