The only way bad things can happen to you in RuneScape is if you are being stupid. Trying to melee the monkey madness demon(I tried it at level 80 with fairly low prayer and armor, bad idea), going to the kq, kbd, or dagannoth king lair unprepared, saying your password, or not checking the price of something are all ways that you can die or lose your account. All of these things are caused by simple ignorance, and can be fixed easily by thinking before you act. Granted, you can die while pking or abyss rcing, but when you go into the wilderness you acknowledge that you are prepared to lose whatever you have with you.