Sometimes the final event gets blamed for a collapse that began much earlier.

The last event before a collapse is rarely the reason for it. It is simply the moment the accumulated weakness became visible, and it takes the blame because it is closest to the damage and easiest to point at. Meanwhile the years of erosion that made the collapse possible go unnamed.

When assigning cause, ask what condition made the final event capable of doing so much harm. That question moves attention from the trigger to the structure, which is where any real prevention lives.