It's a banal observation, but it could have been any of us. I was in that cafe recently, looking for my brother's favourite Lindt bar, which isn't available in Britain. A friend told me yesterday that he frantically texted his partner, who works in Martin Place, after hearing the news reports. Then there were the customers who turned up just after Man Haron Monis locked the plate glass doors.
What took place in Sydney's CBD was truly terrifying, which is, of course, the whole point of such acts. And what made it even more so was that it was executed by a "lone wolf" - the kind of terrorist that security agencies consider their worst nightmare nowadays.
Lone wolves - such as Michael Zehaf-Bibeau, who shot dead a soldier at Ottawa's war memorial then ran amok in the Canadian Parliament, in October - are more difficult to detect than a group or network. The latter often discuss their plans in chatter that can be picked up by security forces. And, as experts have pointed out, loners require next to no kit.
All it took to bring Sydney to a standstill and strike terror into Australians' hearts was one man, a gun and a flag.
The siege was also a reminder that lone wolves come in different guises. Monis was not a young man radicalised by social injustice, or by a firebrand preacher, or by extremist propaganda on the internet. He was 50 years old, with a mainstream criminal record and a grievance about a recent conviction for sending hate mail to the families of Australian war dead.
It was the very ordinariness of this week's bloody saga that was so perturbing. Debate about a possible terrorist attack had always envisaged something spectacular, like the Sydney Harbour Bridge being blown up. Not someone walking into a cafe with a gun.
How can you guard against such things? You can't. You can only remind yourself that they are isolated incidents. But that will be no comfort to the families of Katrina Dawson and Tori Johnson, who lost their lives in such pointless circumstances.