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Dumbest thing I paid for when /out/ was bringing my nice binoculars, SLR with multiple lenses, and phone on a canoing trip.
Retard suburban girl has a leaf fall on her and she purposefully tips the canoe because "ah it's a spider! Aren't I so cute? lol"
Never even apologized for destroying $1500 in gear.
My fault too, of course, though it was non-rapids, easy river, flat ground, and I would expect 99% of the time to not have a tip-over in those conditions.