When the engineering design, specifications and functionality limits of a machine are exceded the results are predictable.....and that is failure of some sort. That is no accident.
A simple example...
The manual for my NH T4.75 states that the steps and hand rails for my tractor are designed for the driver to enter and exit the cab facing the cab. I climb up into the cab going up the steps and grabbing the hand rails facing the cab because it feels natural, but exit the cab walking down the steps facing away from the cab thought the manual states not to do it this way. If I trip and fall getting out of the cab facing outwards, break a leg or worse, I certainly cannot call it a accident. I am willfully not using the steps and hand rails as designed and a fall for me would be a bad event but certainly not accidental.