I have never said that anyone was making anything up. Please do not put words into my mouth or make statements on my behalf when I have not said them.
>I apologize if it did not land well for you
This sounds like a abusive partner apologizing. "I'm sorry you made me so mad that I had to hit you"
>I am hearing counterexamples to this statement
You're not hearing counter-examples. You're hearing situations where the person, in the past, was lucky enough to not be affected by the situation they were in. That's great. It's like someone who refuses to wear their seatbelt telling someone that they never wear their seatbelt and they've never been injured even though they've driven 10000000 miles in that car. If reducing your chances of dying in a car wreck is important to you, you would have worn a seatbelt. This is like complaining that the car's seat belt chime wasn't insistent enough after you got into a wreck and are now paralyzed.