China Doll and wizard69 - I'm not trying to upset anybody, but putting the idea forward as an explanation. Just think about it without blinkers for a minute.
Genetic problems are not necessarily handed down are they? My father never passed his on to me.
As for accidents and terminal illness, nobody says that their "Fate" if you want to call it that has to occur at birth or early in life. Indeed, often people who have had accidents are often referred to as "being in the wrong place at the wrong time". Ever wondered why? All I'm saying is I tend to keep my mind open to all options unlike some others.