Not sure what the general consensus would be on this but I'd honestly feel cheated if an event with such a huge negative impact took place in the game while being completely out of our hands. It just seems like a middle finger to the players and all the progress they've made. Redemption stories can be interesting but if I wasn't even the one who caused the downfall then I have no incentive to care and it becomes frustrating instead of motivating. It would be fine if BaDIK was a linear story and we'd just be along for the ride but that's not the case here.
You're assuming that, due to the small amount of agency we have over the MC, we are molding and affecting his story with our actions, but we're really not, at least to not to a large extent. We're simply choosing how he approaches and deals with certain things along the way, but there's an overarching narrative to this story and it's going to impact the MC one way or another.
In a way, this game is very similar to Philly's games, where the overarching story and events within it progress without our control and continue to move along regardless of the decisions made by us, the player. We basically just get to choose who he fucks along the way. BaDIK seems very likely to follow the same structure, and if we are to have the MC getting embroiled in something that he has had no involvement in thus far, then that is just how the story is meant to go. And when you think about it, pretty much every single VN does exactly this because there's only so much control players can have over how the story will end, but not how the story will go.
So the question isn't
if something major will happen and how can we avoid it, but
when will it happen and how will we have the MC deal with it?