In the first Fallout, I once encountered a super mutant playing cards. I challenged him to a game, but unfortunately my luck was not quite high enough. As I lost the game, the terms of our bet was that I had to spend the night with him. My game reloaded with me waking up in a scary room with a ball gag in my inventory. I then decided to reload my most recent save, which lost me a couple hours of gameplay, just to avoid having to proceed forward with that disturbing twist in my adventure.