got into a accident

[Hope]

Maybe a fantasy or fear, but imagine ending up in the hospital unconcious when you are dressed and someone makes a mistake (or on purpose) about your original gender and makes some improvements. Could be subtle like...your blood test showed low estrogen so we increased it (no charge). :

No charge? That IS a fantasy...

[trannie T]

Let this be a lesson to all of us. Mom was right, always wear clean underwear, you might get run over by a bus.

[BritneyLynn]

As soon as I realize I won't be able to get out of the way of that bus it won't matter how recently my underwear was laundered!