The title of the thread "How do we calculate load factor?" is asking a different question than the first post. The answer to the title question is: We don't calculate load factor. Load factors for various types of load are specified in the code. The higher values indicate loads which are more likely to vary. So live load factor is larger than dead load factor because we can be more confident that the calculated dead load is close to the actual dead load whereas the actual live load may vary considerably from the calculated value.
The question in the text is "How do we know that this load factor-which is unified- will cause the failure for any member I will choose?". Not sure what is meant by "unified", but in general, a member will not fail at the factored load because there are additional "resistance" factors accounting for variability of material strength. In the Canadian code, these are called Φ factors. The value of Φ depends on the material and the type of failure. So if you select a member which is rated to resist a factored load, the failure load will be higher than the factored load unless the material strength is below the minimum strength expected.
BA