The most dreadful (random) event?

[Agema]

A ruinous event hitting your capital early in SP is no big deal as you can restart.

In MP, it kills a lot of time spent organising the game and the player then has to sign up and go through the fuss for a new one. Also, it potentially unbalances the game as neighbours get additional territory to move into and the first one to the wrecked player probably an early second capital. Banning events on the first 5 turns to prevent this sort of thing could be a solution as players should have a few provinces to survive a crisis by then. But I don't know it's big enough a problem to be worth the effort.