Jousting required specialized equipment.

Primarily, heavier armor. A full suit of normal plate weighed about sixty pounds. Hefty, but that's similar to what a modern soldier carries into battle, and knights were surprisingly mobile. Jousting armor was much heavier and thicker, especially in the torso, by comparison.

Also, the lances were designed to limit penetration, either by blunting it or other methods to spread out the point of impact.

However, fact is that jousting was very dangerous and there were several fatalities over the centuries.