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Unfortunately no, the odds of you experiencing catastrophe are much higher than your odds of winning the lottery, especially if you live an active lifestyle.
do you know anyone that had any of those things happen to them?
Yes. Every single one of those examples actually. I’m not being hyperbolic or joking. I know different people who have experienced at least one of each of those scenarios.
I’d suggest you have a more unique experience then. I couldn’t say I have met anyone that ticks those boxes.
