There is the chance of unexpected political events, such as war, riot, and legislation on money, tariffs, credit, and business relations.

These things are caused, it is true, by the action of men, but it is a collective action out of the control of the individual.
There is the chance of human carelessness causing fire, explosions, and wrecks on misplaced switches.

There is the chance of physical or mental collapse, as the sudden insanity or the sudden death of one performing responsible duties.

There is the chance of sickness that often wrecks the plans and the fortunes of a whole family.

There is the chance of economic alterations in methods of production and of transportation, in fashions and demand in this direction or for those materials.
Some of these chances are more connected with money-lending, others with manufacturing, some with agriculture, others with commerce; but all are present in some degree in every industry.