[rthomas6]

Planning and preparing won't guarantee your survival, but it will sure do a lot to increase your odds. If person A spends hours meticulously testing his building's structural integrity and invests money to reinforce relevant safety mechanisms, while person B does not, is it person B's fault if their house falls down while person A's does not? No, it's not really, but they could have done more.

There aren't ANY guarantees in life (except maybe this one), but I think the point of the article is to try to show the benefits of an internal locus of control. There will probably be things in everyone's life that they have little power over, but that does not mean they are completely helpless. Rare is a situation where any action on someone's part has a 0% chance of changing the outcome.