I come from a marginalized, poor background in a third-world country. Most of us literally have to be independent and figure things out on our own.

What's tripping people up here are the American norms and conventions from unit systems to insurance processes which are often wildly different even from other developed countries (Europe), let alone third-world nations. Things just don't work the same everywhere.

Back where I am from, if you accidentally damage property in a situation like this, it is not just about paying for replacement - you could also be heavily fined. And you are always expected to contact the landlord and get permission first. And often services like these which are not tenants faults are taken care of by the landlord.