Yeah... All of the vital stuff... heart, brain, lungs etc are all encapsulated in either the skull or ribs, hard bone frames.

The stuff below the waste isn't as vital in terms of immediate survival, so yeah... I guess it got the short end of the stick in the "where abouts in the skeleton should we be placed" game.

You're not going to out right die from trauma to those organs (not right away anyway) but can still mess you up in the long run.