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This is no longer relevant to me, as I now work from home; but I felt the same way a few years back when I used to commute. Then a giant cargo ship crashed into the bridge I used to cross daily (which was not a drawbridge but preceded one on my commute) and collapsed it.
At least, I expect, me being late that day would have been excusable.
One must assume that domestic armadillos are less risky, but I would hesitate to pet an armadillo as I’ve heard they commonly carry leprosy.