Indeed. This seems another example of how Very Bad Things can happen to almost anyone apparently randomly in the US. In Europe we've legislated much of this so

Indeed. This seems another example of how Very Bad Things can happen to almost anyone apparently randomly in the US. In Europe we've legislated much of this sort of thing away - you have to try really hard to screw things up for yourself. First thing I noticed back in Europe after returning from a couple of years in the US - nobody was afraid.