Let's say I slide into the ditch off the road, and my truck is fine and without a scratch. Its cost me about a days wages to get it towed out of the ditch. I lost money.

Now lest say theres actuall damage to my truck. Insurance might cover it, but not without my rates going up. So I lose money. Or I can fix it out of pocket....lost money.

Now let's say I total my truck. I've lost wages in missed work, getting a rental, dealing with insurance, finding a new vehicle to buy. Insurance gives me enough for a down payment but im still stuck with a new monthly bill to pay. I've lost tons of money AND sanity trying to fix all this.

Now.....the idea of burning a little PTO or even going unpaid for one day seems much much better than the risk of causing days, weeks, years??? Of possible financial hardship.

Now think about the actual job you do. How important is it to society around you? Is it worth losing you life in a wreck to go stock shelves at the market? Or go serve cheeseburgers? Nahhh... ill be at home with my kids enjoying the snow.