Not to get into a theological discussion, but I don't think God had anything to do with it. It was, as you say, an accident. But judging from the times I've floated the bufflo, not a freak accident. People flip their canoes all the time, even experienced floaters. The risk was avoidable. We all make choices everyday that are life and death--changing lanes, speeding, did you take your meds today, etc.
I knew I shouldn't have read the link. I have a soon-to-be 7-yr-old, and the thought of losing her in such a horrific way was plagued me since Monday. We'll be down on Taney in 2 weeks and this story has definately made me rethink where we're going the day we spend on the boat. I am responsible, not God, the fates or anyone else.