Huh. I think most people find that if something "happens to you" it's less your fault than if you "made it happen". If your house burns down from a gas line explosion nearby, that's bad luck for you. If it burns down because you had a pile of paper next to your stove while operating it, that's on you.
How it was handled after the fact is probably similar (though again, if it was your own source, then it probably meant you had even earlier warning), but I believe it's mostly down to "things that happen to you versus things you cause".