Ok here is the scenario
You are getting dressed in the morning, you cant find your wallet so you take a couple minutes to find it sitting on the dresser. You pick it up put it in your pocket and on your way to the stairs you get stuck behind a little boy taking his time, the little boy dropped his toy car on the stairs which neither of you notice.
You slip on the little boys car and fall
You cant help but think to yourself if I had found my wallet and was a couple minutes before the kids this would not have happened
What is a word or phrase that describes that?