People will also take advantage of you if you're in a panic mode, which is why it's best to always be pro-active, with your What-if lists.
What if you suddenly needed an electrician, plumber in the middle of the nite, a mechanic, someone to repair your A/C?
I sometimes think these repair people, salesman have profiled you before you even get to your house, some how, some way!
When my water heater died out last year, some salesman came around and was going to put a new one in for $1500. My intuition said
Instead, went to Loew's, which will install it for you for a fee, and had it all done for $650!