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Going by that argument though, then EVERYTHING is an indirect act of God.
Bullet wound? Clearly it was God’s will, for ordering the universe in such a way that an individual was armed at that point in time to cause you harm.
Cancer? God willed the carcinoma onto your skin.
Maybe it’s just Argumentum ad absurdum, but insurance companies are basically arguing against their own existence.
If you consider something that was caused by humans an act of god, then why would anything else caused by humans not be considered an act of god