I've got one. I wasn't the GM, though.
My brother's girlfriend was running when we first got the books. A baddie grabbed me (I was the nerdy librarian,) and held me as a human shield. There was a short social conflict where I thought I would have to tell them to shoot and they'd be all like, "We can't. We can't! We're the good guys and you're our friend!"
What really happened is they all wanted to shoot and take their chances. They rolled well, I rolled bad, the baddie rolled bad. End of scene. I could either be a coma patient or lose the ability to walk. I opted for the coma. I thought I should have been the sexy librarian instead of the useful librarian. Everyone else said they didn't negotiate with NPC Terrorist/Hostage Takers.
It was too funny for me to be angry but if I were more invested in the character I might have been miffed. I always had a hard time with the GM because she never liked my aspects or ideas so I guess I wasn't as active as I should have been. I didn't have enough gumption or whatever to find a concession before bad things happened.