From age 16, when I got my license, to September 1 of this year, aged 28, I managed to avoid getting into any insurance-reportable accidents. The worst that had happened is that I'd sideswiped a pole in a parking garage, destroying the mirror and ruining the paint on my door. Save for two 11-15 mph speeding tickets in speed traps, my record was clean.
In this month alone, I've caused two minor accidents. First I rear-ended someone in a center turn lane on Sep 1, then I backed up into a delivery truck today. My rates will skyrocket. Oh, and I'm personally in severe debt thanks to poor spending habits (mostly
and
and
and just general
), and recent loss of grant funding (essentially loss of job). All my cards are maxed, and I recently decided to make things worse and take out an online triple-digit APR loan with an Indian tribe to cover rent this month, and that was before the second fender-bender. I will have to get the car looked at for an estimate on both ends now.
Luckily I have an upper-middle class family to turn to with my tail between my legs, and they'll bail me out with low-interest loans again. My father will fuss and moan and become more difficult to talk to, but he'll make sure I won't go bankrupt. If he refused, he'd suffer something humiliating: I would call his brother/my uncle, the anesthesiologist who makes >$500k/yr, and who barely even thinks of money and routinely lends to people he barely even knows without really caring if he gets it back, and ask
him for a loan. I would get it immediately, probably with no interest and little expectation of paying it back, at the cost (to my father) of the rest of the family finding out that my father was unable or unwilling to help me at a time when I'd otherwise have gone bankrupt. And I'd probably get brownie points for actually paying it back when I had the ability to!
That's what class privilege is: a safety net that only the top quartile gets to have. If I were born anywhere in the bottom half, I'd be dead/homeless/in prison/making meth/killing myself with street drugs now. You can't be the low-energy, low-external-motivation type of depressive from a poor or working class family and expect But nope, financially I'll survive with a little help from my privileged family, with nothing but some strain between my father and me and some exacerbation of my depression to show for it.
I'm curious... do you take it with or without the raw egg on top? Anyway, hats off to you my man for being able to keep that down 
but at least we can all, every one of us, disavow well-done with ketchup *cough trump cough*
