I crashed my bike; will you give me a new one?
No. Bicycling is inherently a little risky. Parts break, potholes come out of nowhere, and sometimes you forget that your bike is on the roof of your car. We've been there and we've wrecked that. We know that a Wednesday Night Ride will probably result in purchasing some new part or other to replace that doo-hicky that broke when we hit that tree. Don't look at the tree.