Please reinforce your bait with something I would bite on.
I lost ALL of my money in September because someone wrote a counterfeit check which got my accounts closed.
The Sunday before that my car was wrecked.
The Friday before that my truck was wrecked by a friend.
My fiance' ended up pregnant (unexpected but we were keeping the baby)
After getting used to the idea of having a baby, we lost the baby just before February and now have a 23 THOUSAND dollar bill.
It would be nice to catch a financial break (Ramen noodles get old fast).
In areas where the things you mentioned were not, I could always just join the local militia and kill people who bothered me.