If someone trips or falls, it’s most likely an unexpected surprise, which is funny to most people, just like stand up comedy hinges on saying something that is unexpected.
If it’s like the lost their house in a fire, it’s “Schadenfreude”, where a someone elses bad luck makes you feel better about yourself
If it’s someone you hate that loses their lifesavings or something, it’s just a very nice surprise, and may feel justified
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