12. This coyote
If not you, then your dog. Which, frankly, is almost worse.
13. Sitting on that one BART seat
You know which one we're talking about.
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Daisy Barringer is Thrillist's SF Editor. After the Loma Prieta earthquake, she sobbed and asked her Mom, "WHY DO WE LIVE HERE?" Apparently the answer was really good as she's still in SF. You can also find her on Twitter @daisy.