I started adulthood in poverty because I was hit by a negligent driver when I was in college. It takes 7 years for negative reports to fall off of your credit report here, so I spent the first 7 years of my independent adult life in poverty because somebody else was a bad driver and our healthcare is too expensive.
Edit: For those who aren’t familiar with the American system of credit, if you have bad credit, most apartments will not accept you regardless of your income and many jobs will turn you down. It also makes it more expensive to do things like rent or lease anything (or buy a car, which is required in the US) because you will have a higher interest rate. It’s a cycle designed to keep you spiraling downward.
Lots of chronic illnesses are worsened by heat. These are going to increasingly suck as the world gets hotter.