It can hit in someone’s vicinity causing them injury. It would rarely be a direct strike.

One can get hurt without a direct hit. E.g. when a window bursts from a shockwave and hurts people inside a building.

I recommend you never buy a lottery ticket - because clearly you don’t understand how luck works.

If a satellite were to smash through the roof of my office and land harmlessly on the floor, I reckon I’d be quite startled and might bump my knee on the bottom of the desk…

There’s definitely a risk of injury, and you’re far more likely to be injured than killed.

I’d probably also have to pay a couple hundred thousand dollars to repair my home, since I don’t think insurance covers falling satellites and I’m certainly not going to try and sue a company on the other side of the world when they probably didn’t do anything against the law anyway. Bruised knee would be the least of my problems.