Person1 – you can lose anything! There have been people who have lost their kids, r”l, and they were not to blame. And kids are incomparably more valuable than Tefilin (I don’t even like saying that sentence because the value of a child should not be compared to the value of Tefillin even to say it’s incomparable!).
You can’t blame people for everything that happens! We do our hishtadlus, and whatever happens is from Hashem. Period!
Yes, things happen. We are humans, not Hashem, and we are not in control.
And people do lose valuable things. People are always losing their engagement rings.
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