What Frankbtl says! You do not get colds from being out in the rain, you do not get pneumonia from a wet bed and only about 6% of people who get pneumonia die from it; it was not your fault, the person was that ill.

You don't really know if you fit the pad correctly or not or if it was something else entirely. Things come loose anyway, are not what they appear at first (you thought you had it right or you would not have left it that way), there are other factors besides you; not least of which is the person doing the all caps that it's your fault (instead of their own?). After a failure occurs (the soaked bed) it can be extremely hard to tell what caused the failure.