Circumstances sometimes call us to do strange things — things-we would not otherwise do. Circumstances also cause us to do things we should have done but never got around to doing them before, like learning that we might have cancer, might provoke us to write a will. That’s really too serious an illustration for the story I’m about to tell.

Two out-of-town visitors were walking along a street in New York City late one night. One of the pair, wary of the reputation of city streets at night, kept glancing over his shoulder, nervously eyeing every alley and shadowed doorway. Sure enough, his anticipation was rewarded. As the two rounded the next corner, two muggers appeared out of the darkness and closed in. The nervous fellow knew what was going to happen. He reached for his wallet, pulled …