I don't subscribe to the suggestion that "This kind of thing can happen to anyone"
You are absolutely correct OH. There might (on rare occasions) be a reasonable case for "inadvertent" IMC at night - but then again it shows your Met appreciation was fundamentally flawed. In daylight it is not inadvertent, it is deliberate. You make a conscious decision to continue the flight vector and enter cloud or fog. Most people assume they will pop right out of the other side, or it will lift up, or you will get a hole, or some other act of God that makes it a logical decision.
This happens far too frequently, and it's not limited to low-time pilots either, there are plenty of examples of experienced pilots who surely knew better ending up as another accident statistic. Clearly training is not the sole answer, there is just some odd facet of human risk-taking and failure to understand consequences of poor decision making that ensures accidents like this will keep happening.