San Francisco Chronicle columnist Jon Carroll got it very right this week:

So I talk to the afflicted, and almost always I say, "Please let me know if there's anything I can do." It's a thing that people say. They say, "I'm sorry for your loss," if an actual loss is involved - would that include amputations? They say, "Everything happens for a reason," and then a large bolt of lightning turns them into a mound of charcoal, and a ghostly voice says, "What have we learned from this experience?"