My 80 yr old mom had her atm card stolen. The guy withdrew close to 5k in small dips over a week. He had the pin, so my guess is he watched her enter it then distracted her to swipe the card. Bank refuses to cover it, despite her reporting it immediately on discovery. They claim if he had the pin, then she was negligent, and they are not responsible.
This presumably happens regularly, as the guy's con was very practiced and slick and he knew exactly what to do to maximize the payoff. But the bank didn't pick up on the obvious pattern, and evades responsibility by blaming the victim.
Ask yourself if you'd be willing to painlessly end your life, if given the option. Most people prefer to keep on living, which is strong evidence that on balance, despite all the bumps and grief of living, life is still pretty awesome.