Certainly not gonna Monday morning QB the young lady, but remember she was low time, cross country solo, and flying a Cessna trainer. Other more experienced pilots (e.g. Steve Fossett - though he was reputed to be only an "average stick") have bought the farm too, so the inexperienced don't have a monopoly. In fact, it seems like there is a disproportionate number of mountain flying accidents (and I'm including gliders here) that involve very experienced pilots too.
It's important to keep in mind Mother N. can unexpectedly dish out more than we and our little planes can deal with. Knowing the warning signs, those situations to avoid*, and where trouble may possibly lie in wait is key.
*Or at the very least go timidly while maintaining an out.