Exactly. In my experience many people think "accident" means "could have happened differently" with the implication that it "should have happened differently." I do realize that this is a complex subject, and that's why I like to refer to the A A Long article, but in general, and in many cases, the things people are talking about are not really things that could or should have happened differently but are in fact things that are directly determined by the mix of circumstances that went in to creating the circumstances in the first place.
In that sense, for example, I do not believe Epicurus would have viewed "life on earth'" as an "accident" at all. Most of what we are talking about (except for the things influenced by "free will") are best viewed as "events" many or most of which would be predictable if we had the technology and time and energy and desire etc to apply to it.