I do not drive recklessly, get in trouble with the law, or change jobs like gloves. I am, by most accounts I would think, a normal, decent citizen. My credit is still pretty shot because I hurt my leg before I had health insurance or a job.

Life isn't so easy to summarize. Bad things happen to good people (whether I am one or not is another question).

Time and chance happeneth to them all, in short.