Accident (There are no accidents?)

Sunny Jimmy: I'm an accident waiting to happen.
Lovely Carla: No, you're an accident that already happened.

UPDATE: Which sets me off on a rambling speculation (is this what TPM calls "naval gazing?") What exactly is an accident?

According to Wikpedia: "An accident is something going wrong unexpectedly. Physical examples include an unintended collision (including a person or object unintendedly falling), getting injured by touching something sharp, hot, electrically live, ingesting poisons, or getting injured by not properly landing when jumping. Non-physical examples include babies being born."

Do we live in a world of probabilities? Inevitabilities? Actualities (what happens is what happens?!). Are the things that happen the only things that could have happened? Are words like would, could and should just idle chatter?

Are these just useless questions with no definitive answers?

"Something going wrong unexpectedly," sounds like much of what we call human interaction...babies being born are accidents? Tell that to the sperm and the egg!