It could be due to an accident, like a gas leak or faulty machinery.
One reason could be a chemical explosion. Or it could be part of a superhero or villain's plot to cause chaos. Maybe the factory was involved in illegal activities and someone wanted to stop it that way.
One possible reason could be a power struggle. Gerard might see Stiles as a threat to his own authority or plans within the story's context.
One reason could be his own clumsiness. Maybe Peter is always in a rush and not paying enough attention to his surroundings. For example, he could be running down the stairs while looking at his phone and trip, resulting in an injury.
Perhaps the man is part of a role - playing game scenario where he has agreed to be tied up for a challenge. The women are his friends or fellow gamers, and the 'blown' part could refer to using fans or some sort of air - based special effects to add to the drama and hilarity of the game.
Well, in a lot of these fanfictions, Stiles can get beat up due to his own recklessness. He might be so determined to solve a mystery or help his friends that he doesn't think about the consequences and ends up in a dangerous situation where he is outnumbered and beaten up. Also, there could be miscommunication. Maybe someone thinks he has done something wrong when he actually hasn't, and they take matters into their own hands and beat him up.
The way she puts on the jeans can also matter. If she pulls them on too quickly or carelessly, the fabric might not be sitting properly in the back, leading to a wedgie later. Also, if she is doing activities like running, dancing or climbing, the constant movement can cause the jeans to shift and create a wedgie. Another factor could be the quality of the jeans. If the fabric is thin or not very elastic, it's more likely to get bunched up and cause discomfort.
One reason could be that he was exposed to some kind of harmful chakra or energy in the village. Maybe some leftover dark jutsu residue affected his weak baby body.
In fanfiction, one possible reason could be that he was exposed to some kind of harmful chakra. Maybe an enemy sent a weak but insidious chakra wave towards him when he was just an infant, which gradually made him sick. Another reason might be related to the poor living conditions he was in. Since he was alone as an infant without proper care, he could have caught a disease easily from the dirty environment around him.
Maybe it was an accident during some dangerous production process. Who knows for sure?
It could also be due to differences in values. Maybe the guy was more conservative and couldn't handle the girl's more liberal attitude towards nudity. He might have felt uncomfortable with her lifestyle choices and decided to end the relationship.
One possible reason could be that Naruto faces a much stronger and unexpected enemy. Maybe a new villain arrives in the Hidden Leaf Village with powers Naruto has never encountered before. For example, an enemy who can nullify his chakra attacks, leaving him vulnerable and getting beaten up.