This happened over a decade ago now, so while it isn't raw and I am happy to answer questions - please be kind and remember I am a real person.
The background is this was my first pregnancy. I was in my 20s. I did an online hypnobirthing course which presented induction as a thing to be avoided at all costs. As I approached and then passed my due date, I saw a lot of info online around how a full term pregnancy is anything up to 42 weeks. I read stories of women declining induction and some even having their babies at 43+ weeks.
So when I had my 41 week midwife appointment, I was quite relaxed about declining induction. It was presented to me in a very optional way too - I think she said "we can book you in for induction now, or wait and hopefully it will happen naturally in the next few days". So I didn't feel like I was staunchly refusing medical advice.
I think that the bigger contributing factor was that I never had any continuity of care, the midwife at that appointment was one I had never seen before. Maybe something could have been picked up if I was being cared for by someone who knew me?
Saying that - obviously if I had been induced at 41 weeks, my daughter would likely have lived.