As a technology user, I have over the years: Dropped and broken my phone’s screen Spilled liquid on my laptop’s keyboard, frying the motherboard Pulled the cord out a device, breaking off the connection Pushed a monitor off my desk onto the floor Left my computer bag on top of my car’s roof, and driven off These acts were, believe me, unintentional. The costs of these mistakes wound up coming out of my own pocket. So I have a degree…