Oi - Don't discourage us lot just starting out ..
Only joking really ..
BUT
It does make you wonder:
Even although you have a love for flying .. is it worth the risk - Reading threads like these always make those words from my beloved fiancee bang loudly in my ears: "Your flight training does concern me sometimes, it's dangerous"
As for bad luck - If you are well prepared, what are common bad luck situations that can't be prevented? - in normal flying not aerobatics
One that springs to mind (if you are well prepared and that can't be avoided) is if some nutter with a faster airplane flies into you from behind.
Vabsie