Not surprisingly, I was playing Persona 3: FES when it happened. For those who don't understand what a "MegaTen" moment is, a MegaTen moment is when the game decides to give you the middle finger and basically end your sorry life. It gets the title "MegaTen" from the fact that it is a very common occurrence in this particular series of games.

So I'm walking through Tartarus leveling my party, getting money, and leveling my Persona. I'm almost to the top where I was going to stop and return to base and save but I just needed to find the stairs. My main character has full Hp but no more Sp cause he's been doing most of the work. The rest of my party has an abundance of Sp and Hp cause my main character has been doing all the work. I ended up being forced into an encounter but luckily the enemies I faced had weakness' that my party could exploit.

I through my party into the Knockdown strategy (it makes the A.I. exploit enemy weaknesses) and Yukari is put on healing duty just to be safe. One enemy is killed pretty fast and the other gets knocked down to no health and will be killed by my next character but unfortunately its Mitsuru and Junpei is the one who has the element the enemy is weak to. Mitsuru chooses not to kill the nearly dead opponent and then the opponent gets to go. He performs an attack called Swift Strike that strikes my whole party multiple times with light striking damage. Not a big deal later in the game, but nasty where I am. He hits my main character twice and both are critical hits, which is very rare. Instantly killing my main character who had full health and sending me to the game over screen. This is because most MegaTen games have the rule, if the main character dies its automatic game over. I lost a good hour where I gained 50,000 yen and most of my party gained 2 levels.

So when was the last time the worst case scenario happened to you...