To MW13,
Please look at the Ramban by Avraham in Vayera, “Ki Yidativ” who writes that (paraphrasing, look at original) the majority of the Jewish people are not under direct din and hashgacha pratis, unless you deserve it.
Likewise the Tehuvas haRambam on whether someone can harm someone else without a din (if I remember correctly, last one in chalek aleph in the 1980 edition), who explains that in a makom sakanah even without a din a man can become killed.
Likewise the Rambam in Pesachim (Peirush hamishnayos) on the braiysah of “3 things Chezakiah did” how important it is to go to doctors (There is a tana dimisaya, R’ Yehoshua in Bamidbar Rabbah).
many others, but I am working write now.