IME life only gets in the way if you let it.
Yeah, well... you might want to think beyond your experience.
I have a player with chronic migraines. There are days when her pain is debilitating, she cannot see properly due to light sensitivity, and can't communicate well due to migraine-induced aphasia. She'd be in major discomfort if she did attend, and if she did she'd not be able to make meaningful contribution, or have any fun.
Another player lives about 45 minutes drive from where we game. In winter, in Massachusetts, there's times when snow and ice make travel dangerous.
Another player is a parent. If his daughter gets the flu, not only should he stay home with his daughter because that's called beign a good parent, I don't want him carrying influenza to others at my table.
I've another player some years ago had to bow out of game, because he got an awesome new job that he loves, but it required him to work weekday evenings, which is our regular play time.
Another player, again some years ago... got brain cancer and died.
I don't think any of these people are "letting" life get in the way. With all this, we generally manage two games a month. But sometimes, life gets in the way, without a whole lot of choice for the player.