Just Bad luck

If it weren't for bad luck, I wouldn't have any luck at all. Bad luck as in hurting your body by accident. I just wonder, why does it happen. Couldn't God of made our skin unscratchable or cutable? I would love to be immortal:) and live forever and ever and see history in the making and tell stories to next next decades children about the 2010 Olympics or the Iraq war. But then again i wouldn't be able to die and go to heaven and the streets of gold