Gefen: I believe the standard assumption is that there are three categories: Someone who deserves to die now (whether because of Aveiros or because it was just his time) who will die now no matter what; someone who doesn’t deserve to die now but someone else uses their Bechirah to kill them, who will also die; and someone who deserves to live, meaning that they have enough Zechuyos or for whatever reason Hashem decides to save them (possibly miraculously) even if someone wants to take their life. Very, very few people fit into the third category, and it’s possible that nowadays even no one does.
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