Caught by Surprise in TS4. How Refreshing!

Unfortunately I feel like the sims 4 lacks surprise. Sims generally do the same thing, and everyone seems to get along without any negative consequence. It feels like for anything negative or dangerous to happen to your sim, you as the player has to initiate it. While I don't enjoy seeing sims die, I liked how in previous games, misfortune (even if minor, like having a bad conversation) could strike at any time.