29. Bad Luck
After a house fire, I had to live in a hotel for 4 months. The maids placed over $2500 worth of long-distance phone calls to Mexico from my room during that time which my insurance (which covered the hotel stay) refused to cover.
I had to pay this out of pocket. To add insult to injury, employees from the company hired to empty our intact belongings (the fire was in the garage so damn near everything we owned survived) out of the home before the electrical wiring could be replaced decided to steal my family’s stereos, our vacuum, 3 television sets… etc.