Too many drink and drugs ones startlingly similar to many of the PP.
Slightly more niche - out of embarrassment/pride I didn't correct an acquaintance when she was booking a private horse ride on holiday on the Isle of Arran. She said we were about the same level. She events and competed, I was a very rusty happy hacker.
Cue her being given a fit ex racehorse who was all over the place, to her delight, and me an enormous beast of a very very fresh hunter - all 17.2 of him.
We got to an open field and started to canter and I knew I was going to die. The bloody thing took off. My friend of a friend and the instructor we're having a lovely time racing along.
I had to make some quick decisions as we hurtled towards a 6 foot hedge that I knew he was going to jump, killing me in the process. I was seconds from flinging myself off, figuring that a fall from 17.2 hands at speed was preferable to the same fall, plus 6 feet. I somehow managed to turn him in a circle by practically pulling the bit out of his mouth and kicking him into the bottom of the hedge.
We walked the rest of the way. So ego and embarrassment nearly killed me.
I now massively underplay my riding experience/ability if I get on a strange horse. I was about 30 at the time so not even a reckless teen anymore.
Probably as a teen I'd have loved it and kicked him on and died, but died happy.