So, we're just supposed to thank the gods all willy nilly, but never to assign blame
Blame for what? If I walk off a cliff to my death is it God's fault because gravity exists? But if I walk off that cliff and don't die, I'm going to thank God.
Why? You said it may have had nothing to do with divine intervention.
If a tree falls in front of you, but doesn't land on you, you thank god.
If a tree falls on you, and you live, you thank god you lived.
If a tree falls on you and you die, it was god's will.
God, in your eyes, is never a loser, even if he wasn't involved in the event.