“Using your logic the deaths from the survivors running down stairs and exiting the buildings after the planes hit the Twin Towers on 9/11 would have left piles of bodies even though they survived the attack.”
Maybe if they had to run UPstairs... that might be comparable to the exertion of treading water for extended periods of time. They would also all need to be as old and clearly out of shape as Loretta Fuddy. Otherwise, you’re making a bad comparison.
“Fuddy’s natural death is a possibility, but not remotely “predictable” as you say...”
It’s certainly predictable. Ask an insurance underwriter if they would issue a policy to an old overweight woman who can barely swim if she is about to get in a plane crash in the open ocean and see what they predict.