Fourth Time's the Charm: The Reluctant Mage

Hero is unlucky. His life consisted of misfortune after misfortune, culminating in an unlucky death during an incident on a school boat trip, trying to save a girl he barely knew. After death, he met a god of reincarnation who requested that the hundred or so dead passengers – one of them being the girl he tried in vain to save – be reincarnated into another world.
Yet a series of unfortunate events forced Hero to reincarnate with even less luck than before, starting with nothing but a tremendous amount of Mana. His second life, far worse than his first, came to a cruel end.