He Will Protect You

Psalm 91

Is this true? This all sounds really nice and I really like some of the language of this psalm but I wonder if this is really true. Will God really protect us always? If disaster happens or someone gets hurt on our trip, does that mean that we didn't really make God our shelter, that we didn't really trust him to protect us? There seems to be a definite cause/effect relationship in this psalm: verse 9 - "If you say, 'The Lord is my refuge.' and you make the Most High your dwelling, no harm will overtake you..." and verse 14 - "'Because they love me,' says the Lord, 'I will rescue them.'" If something bad happens, the obvious conclusion is that I/we don't love God and/or did not make him our dwelling. It also leads to tokenism: if I say 'The Lord is my refuge' like a mantra or a lucky charm God will protect me.
So, what is this psalm saying? It is saying that I can and need to trust God because he is good, he is in control and he loves me very much. I know that even if something happens to me or on the trip, God doesn't change - he is still good, he is still in control and he still loves me very much.