Bank fishing when I was a kid in a 5+- acre farm pond with a good bass population using my old trusty zebco 33. I didn't know/think much about adjusting the drag. Mistake. I had never set the drag. I was reeling in my Rapala silver minnow when I felt a thud, stopping the lure dead. Then, it just about jerked me into the water (literally jerked me four feet toward the water) and the line snapped. I'd guess that was a big, old catfish, but I'll never know. I wish my drag had been set so I stood a chance. It could have been the 8-10lb bass I've been chasing my whole life.