It's kinda like saying the guy with 45 health had no DL stints for 9 years and then got a major injury. It's unlucky in the sense that, odds are, no particular player is likely to get hurt in any particular season. But he has a 45 health rating.
I know it's different, but you can't look at a guy with 45 loyalty and think "wow, I'm surprised he didn't stay." Is it unlucky? Yes, in the sense that most coaches stay. But you should'nt be too upset when they go.