I was just reading The Power of Intention by Dr. Wayne Dyer and read a passage that is startling.."are we to think of ourselves as a human having an occasional spiritual experience, or an infinite spiritual being having an occasional human experience." I think that we are perhaps given these experiences and events to bring us close to physical death to remind us that it is indeed a physical death. I am not saying that one should not be prudent and live with reckless abandon. I am just saying we have to trust in the Universe.