When I was young and dumb I was driving in the rain and saw a guy walking along the sidewalk with an umbrella. It looked like the one below.
There was a puddle that I could have driven around, but chose to speed up, going through the puddle and just waxed him. He put his umbrella away and was drenched.
To this day, I am expecting it to happen to me. I avoid puddles knowing that payback is coming. I don’t really believe in karma, but I know it’s coming.
By the way, I’m old and dumb now. I expect it to happen when I get even older and can’t get out of the way. It will be in the most inconvenient time and place possible.