👉 Misfortunes are events that occur unexpectedly and bring about negative outcomes, often leading to financial difficulties or personal hardship. These can include natural disasters such as earthquakes, hurricanes, floods, wildfires, or other catastrophic events, economic downturns, job losses, illness, or even death. Misfortunes can be caused by various factors, including natural disasters, political instability, economic policies, social and cultural changes, technological failures, or human errors. They are often characterized by sudden financial setbacks or significant personal