“Because that is definitely what you are saying if you say something could happen to someone without Hashem wanting it.”
If I jump out the window, its because hashem WANTED me to? I think (I hope) you mean to say he “allowed” it to happen. Just think about every action you may have done today. Did hashem WANT you to do all those things, or did he ALLOW you to excercise your bechira and do all those things. He WANTED you to eat tuna for lunch, take the train to work, talk during davening etc…?