I think I got you all beat.
A cow kicks you. You lose 188 health points.
Your health points dropped to 0. You passed out and therefore you will receive no money and no experience points for this job. When you wake up you find yourself in a hotel room. During the accident you must have lost all of the money you had with you. You feel exhausted, all you need is sleep.
I couldn't even sleep in a hotel, since all of my cash disappeared. I lost an entire day's worth of work, due to this crap.