A person standing in the path of imminent danger who receives a clear warning holds the ultimate responsibility for their own survival. When an alarm sounds, the physical act of hearing the noise is not enough. A person might process the sound with their ears but completely fail to understand or internalize the actual threat it represents [מלבי״ם]. If someone hears the horn but chooses to ignore the warning and neglects to take basic precautions, the tragic outcome is entirely their own fault. The blame for their death rests squarely on their own shoulders and their own wrongdoing [מצודת דוד, ביאור שטיינזלץ].
The tragedy of this situation lies in the missed opportunity for survival. Had the person simply heeded the warning and taken the necessary steps to guard themselves, they would have successfully escaped death [רש״י, ביאור שטיינזלץ]. The severe consequence they ultimately face is directly tied to the fact that the power to save their own life was resting right in their own hands. By choosing to dismiss the alert, they willfully abandoned themselves to their fate [מצודת דוד].