Of course Stefan, Loeb is human. And he drove, according to his own words, with very high risk. Because of driving technique and risk level, he was the only one with such late start position that could match the speed of Ogier.
But high risk is high risk, even if Your name is Loeb.
But what one should recognize is that even if he had an off, it happen in the direction of travel, it was not an off where the car points in a very different angle than the road. I am not a big believer in luck, so I wouldn't say he was unlucky that he hit a stone, but an error of judgement/too high risk, could have ended in a small "moment" which he could have been able to continue unhurt from. But this time there was a stone in the ditch. Sorry for Loeb, but he took a high risk.
But he was the only one that could challenge Ogier, and that should be a wake up call for many a driver.