How do people end up getting struck by lightning?

I’ve just always wondered this because I can’t mentally comprehend how this can happen. Rarely is there a time where a human being is outside in a situation where they are the highest or most “metal” thing in the area, right? So what would attract the lightning to specifically strike that person instead of say a tree, car, or building? I feel as though if you were in a building, you are more in danger from the fire than you are of being electrocuted from lightning, right? Anyone care to explain?