Things happen. Imagine losing your home.
Perhaps you rented, but it was yours. And then something horrible happens.
It could be a storm or fire. It could be the landlord repossessing the property. Or falling behind on the mortgage. Or the death of a spouse.
The shock, the travesty, is powerful. Emotions overwhelm, making it difficult to think rationally.
Your task is to write a story in which your character loses their home.
Sad, but have fun with this one anyway.