That's... Fine? Not really a fuckup, a Taxi on a public road is pretty much the definition of public space and by the sounds of it the video didn't even include anything untowards, like....

No, that's fine, you didn't even really need to tell her, let alone have this weird feeling of guilt because you accidentally got a few seconds of video on your phone.

Yeah, unfortunately I can see how this kind of thing can happen in a situation like that, even without any malicious intent (at least at first)

Bill comes in slightly above what you were expecting, normally you'd go overdrawn and stuff, but it's ok - you have all this extra money set aside! You'll just remember to put a bit more aside next month.

Whoops, something broke and you don't have the money for it! Well... Surely it wouldn't hurt anyone to use some of this money for it? You'll pay it back before it becomes an issue!

And so on, until you just get used to spending this money that isn't yours, lending it out, etc, until you suddenly realise there's none left.

And this is why my parents made sure I had a young person's bank account where all this kind of stuff would go.

Sorry you had this happen to you, but it's never too early to control your own money!

Active Cable Cooling

That's not what memtest is for.

It's supposed to test that your RAM physically works properly, nothing to do with what you put on it.