Hope you don't mind a non-jumping story.
The one I consider the worst was when I discovered my kids had worked a filly, a three year old, without my knowledge. The kids were very young and thought they could do well. I didn't find out about it until she started bucking, striking, running backwards, etc, and scared them good.
I worked with her on the ground a bit and she was nicely mannered. Next day I worked her on the ground and stepped into the saddle. She blew up. I remember thinking how unusual it was that I could see both hind hooves out to each side as she sunfished. Both to the right. Both to the left. She was very athletic.
I eventually tired of riding all this out and sought to dismount. I got her slowed and as I stepped off she gave a huge lunge up and buck and drove her front legs into the ground like pile drivers.
Next I remember sitting in the dust and wondering why I had so much bacon in my teeth from breakfast, which I didn't have that day. Took a bit of time for my head to clear to realize I was chewing dirt from the corral. Most likely pulverized manure.
I remember finally seeing my kids, wide-eyed and looking through the corral boards. I told them, "Y'all aren't very good trainers. Yet."
The filly turned out well, but it took a bit of doing. Or un-doing.
I rode bareback broncs, one-handed rather than two-handed like some women, in the old GRA. That was six seconds or so and usually the pick up riders weren't so hot at the girl rodeos. Those were nothing compared to that filly.