I was a child at the time (not sure what age). I came home from school one afternoon and as I usually did I walked down the narrow alley between my parents' house and the house beside it and went in through the back door.
A few minutes later there was an almighty crash and I discovered that the chimney had collapsed and fallen into the alley. If I had got home a few minutes later I would have been badly injured or even dead.
An experience like that tends to linger in the back of your mind. When we moved into this house it had a slightly leaning chimney and I was always a bit nervous that it would collapse, despite several roof specialists saying it was structurally sound. We finally had the chimney removed to cure a persistent roof leak and I was relieved that it had gone.
But things like the falling chimney remind me of how we assume safety and security and pretend disasters will never happen. Or we're sure they'll happen to other people and not us. Or we say they're statistically unlikely.
Well, you have to think like that, don't you? If I constantly conjured up all the disasters that might befall me (burglaries, car crashes, internet fraud, muggings) life would become impossible, I'd be a nervous wreck.
In fact the nearest I've ever come to a serious disaster is some hair-raising near misses when I was driving a bit carelessly. If it hadn't been for some quick evasive action by other drivers it could have been nasty.
But hey, I lived to tell the tale.