I've never dumped coffee from a drive-thru into my lap either. Nor stepped off a tall building into an oncoming train. Lucky us. I have, however, accidentally spilled way too hot Burger King coffee down my cowboy boot, resulting in a large third degree burn on my ankle. No, I didn't sue. Should have in retrospect. Not so though, for example, the time I accidentally chainsawed the hell out of that same leg. That was entirely my own fault. I also "Totally agree that" big banks and insurance corporations, among others, now only exist to score big at our expense.