Didn't your parents teach you to never say never?
The unexpected can happen to ANYONE. I don't excuse the bums and riff raff but sometimes sh!t happens to the best of people.
yuppers, as the old book of Job showed, nobody is above the celestial skirmishes between Good and Evil.
this dude has saved for 2 years, ok let the market and circumstances conspire to render him jobless for 3.
or, let the brakes on his car go out without warning and he crashes into a limousine full of people, seriously maiming or killing a dozen.
or, let someone finger him (all very sweetly mistakenly, without malice) for a gruesome murder and he gets the ride to death row and back. God being merciful he ends up finally free, but the lawyers literally ate it all and the state legislature says sorry, it was a problem with the witness not our prosecutors, so it's your dime, you should have planned better.
or, well you get the picture.
which is why, the Lord's prayer says give us this day our daily bread. not our decadely bread or our century-ly bread.