"It's the whole beauty of unpredictable life."
I wish I could share your detachment, but I think I speak for the majority of mankind that we seek to limit or control our risks. That is why I would suggest, if we accept the possibility of career-threatening injury or loss of skills, that we also have a chance to insure against such a catastrophe.
I would think it could work similar to our decision to scout, with x amount of dollars per week buying x amount of insurance for the team. The mechanism by which the insurance is claimed would require some thought, but perhaps related to a multiple of the player's weekly salary. Big teams with big salary loads would have the chance to buy more insurance, little teams might choose to save $500,000 to cover such a loss of a div. IV star. An NBBA team loses the equivalent of a Greg Oden, collects the insurance, a lump sum of, say 3 million, then can go out buy another such player, promote that promising 22 year old, or some other option. For realism's sake, the "Greg Oden" is then released, with a dramatic drop in skill levels (say, everything cut in half), and as a free agent tries to land with another team.