Not verifying the load capacity of a customers vehicle.
My past job made the customer sign off the paperwork before we loaded them up and this guy did sign off on the paperwork that his truck could take the load. So, I wasn’t technically liable. I was newly certified and was the only driver around that day. We were a small shop that only took a few deliveries a week, and customers wanting samples back after delivery was even rarer (destructive testing is fun!).
Since I was new to this, I didn’t intuitively know the difference between a flatbed and a normal passenger pickup. So yeah. In my ignorance and with this guy’s sign-off in hand, I try to load his ~1000lb pallet of bigass metal test samples into his. Personal. Pickup.
The truck just kept squatting and squatting, even though I still had weight on the forks… until it finally made a horrific creaking noise. I immediately unloaded the pallet and went to apologize. The guy was mortified but he kept it cool and called his actual delivery guy to come with a flatbed the next day. I did that one too, thankfully his delivery guy just cracked up when I explained what happened (even gave me some quick advice too!). They kept doing business with us, at least, but his reaction in that moment is still seared into my mind.
It depends heavily on where you live.
Where I grew up, the main concern was that snow piled up quickly during heavy storms. Most people knew how to deal with it and would be fine, but the incompetent people (who to be very clear aren’t always new to the area…) made things extremely dangerous for everyone else. Doesn’t matter if you’re an expert at driving in the snow if some asshat with worn out 3-season tires plows into you and injures you. But we had the infrastructure to withstand cold and snow, even if most of it was old and janky. The human aspect of it was a little messed up (plow drivers making min wage and working max legal hours, people being left to shovel 3-4ft of heavy plow walls in their driveway, etc) but they managed to deal with it. Core things like power and gas were mostly buried and kept working so you could stay warm at home, and homes were designed for temps well below freezing.
Long time ago I did experience a blizzard in Wyoming. Holy crap, like nothing else I’ve experienced. We literally couldn’t see the road 20 feet in front of us at times. You get snow-blind if you stare at it too long. We saw so many cars that had driven off the road on accident because they lost track of where the pavement was.
I live in Portland OR now, we don’t get many blizzards but our ice storms are rough. If we get snow people stay home if they can, it rarely lasts longer than a few days before it all melts.