Why not sideswipe me so I can pay for college?

So I took my husband to work this morning...fine...

I had breakfast of biscuits and gravy...ok...

I drove toward home looking for a place to get my car's oil changed...great...

I found said place but had to turn around after having passed it.  I turned left at a green arrow, and spotted the entrance to the place.  I turn on my blinker, slow down, and BAM!!!!!!  I get rear-ended by some jerk in a grey SUV (084 DVR if anyone is wondering).  There was minimal damage and neither of us wanted to deal w/ insurance.  Both of us felt fine, so we went our separate ways. Fast forward 2 hours and I'm on the phone w/ my bank.  My rent check last month bounced even though I had more than enough money in the bank.  Why is it that when you do all your research and feel that you've been wronged, you call said institution to give them what for, and somehow, when they explain it to you, everything seems right--to their advantage?  

So how was your day?  I think I need some drugs.