It really is a coincidence that the moon is 400 times smaller than the Sun and also 400 times closer to Earth. Unlike the other �coincidences� comically referred to, there is no reason why this should be so.
Indeed, as has been mentioned, this will not always be so in the future. The moon exerts a gravitational effect on the earth which produces �bulges� in its shape (which manifest themselves as the daily tides in the sea). As a result, some of the Earth's rotational momentum is gradually being transferred to the Moon's orbital momentum, and this causes the Moon to slowly recede from Earth. The rate of recession is currently about 3.8cm per year.
The reason some eclipses are not total at present has little to do with this relatively small movement. The moon�s distance from the earth varies as it follows an elliptical orbit and this variation is as great as 26,000 miles (42,000km). It is when the moon is at its farther distances in its monthly orbit that �annular� eclipses occur. It is estimated that the Moon will have to recede from the Earth by about 10,000km before total eclipses are no longer a possibility and at the present rate of recession this will take more than 250 million years.
For the same reason that the moon is receding from the Earth, the Earth�s rate of rotation is gradually slowing. In theory this will continue until the Earth�s �day� and the lunar month coincide. (This has already happened to the moon. It takes 28 days to orbit the Earth and 28 days to revolve on its axis, which is why we only see one side of the moon facing towards Earth). However, this process is continuing at such a small rate that the Sun is expected to die and engulf the inner planets before then.