Have you ever left your terminal logged in, only to find when you came back to it that a (supposed) friend had typed "rm -rf ~/*" and was hovering over the keyboard with threats along the lines of "lend me a fiver 'til Thursday, or I hit return"? Undoubtedly the person in question would not have had the nerve to inflict such a trauma upon you, and was doing it in jest. So you've probably never experienced the worst of such disasters....