I was reading these posts and thinking 'Gosh, I'm glad nothing like that has happened to me' when a long suppressed memory came back to the surface:
My very first bike - brand new Hon... Hon... Viffr - took it for a ride to run it in. Got to Bournmouth and decided to stop for an ice cream. Attached the brand new disk lock for the very first time... with the lock barrel facing in rather than out with insufficient space to get the key in to unlock it again.