My Volcano in Wurm Unlimited
stargrace 
I saved up and bought a wand of the seas for 2g. Little did I know that when I used it, the volcano island I spawned would be right under my feet. . . I died almost instantly, dropping all of my precious items in the lava. Thankfully lava in Wurm is a slow burn, approximately 1 dmg every 15-20 minutes.
Even more thankfully, a GM came by and saw my mishap, and moved my ship and corpse onto lava free land. Shew. That was an exciting and stressful few minutes.