For me, it was playing a game of Neverwinter Nights on a server running a mod called "Legends of Chance". Without being too careful about reading the forums, I joined their server and erroneously went from the lowest-level "goblin woods" precariously exploring into a new area of the map.
I entered a very serene wooded area, thinking I was going on a hike, when all of the sudden a group of "Wemics" (they had the heads of lions, the torso of men and the bodies of horses) showed up and started attacking.
After one hit, I was near death, so I went into a panic, let adrenaline start pumping, hair standing up on neck, I did the first thing anyone in my position would do. I ran. I don't know how, but it was like my feet grew wings... or maybe it was that I was just two steps of hitting the trigger that took me back to the goblin woods.
I appeared in the goblin woods again, watching others running around herding, trying to calm myself down worrying how I was going to get past the next goblin that I spawned... so much for a break.
Next thing I know, one of the Wemics appeared right next to me, as if they continued to chase me from their 'some'teenth level area into the area where all the noobs (or at least new characters) where trying to herd goblins and level up. "Fright and flight" instinct kicked in again and I just started running towards the store in the middle of the goblin forest, as I was running I saw another... and another...
The Wemics I spawned just kept pouring in, targeting not only me, but any other player who happened to be in the goblin forest indiscriminately and with contempt. I got halfway between the edge of the forest where I brought those things in and the store in the middle of the forest before one galloped up my back as if I were a launching ramp. Being already on deaths door, that was the knell of the bell of doom.
There I was, my character face-planted in the ground, while the Wemic that tromped me galloped on, searching for its next victim. For the next five, maybe ten minutes I laid there, not wanting to spawn again and lose valuable experience, waiting for something to hopefully come and heal me. But that wasn't to happen any time soon.
During that time, I watched as other players ran back and forth the area, running right past my prone, dead body, commenting about the "Wemic Invasion" and "Whomever brought the Wemics here was 'most unkind'". Characters ran, Wemics galloped happily back and forth along my view, laying waste to anyone who dared enter the goblin woods. I saw fellow players fall before me, our corpses staring at one another as the random Wemic would gallop on by sometimes chasing a bewildered player who got a nasty surprise on game entry.
I felt bad, I was ashamed, I should have really read all the forum posts before playing, but all that time my character was lying there dead and I was watching the carnage take place and seeing what everyone was saying, I couldn't help but laugh myself silly.