A lot of things folk wisdom calls "bad luck" are more practical warnings than anything else.
Walking under a ladder? There's probably someone at the top with a hammer or a paint can that I wouldn't want falling on my head.
Opening an umbrella indoors? Good chance I'll knock something over unexpectedly.
Break a mirror? I'll be finding bits of glass in this room for *years*.
Walking somewhere and I see a black cat? I'm probably going to be late now.