i Have done both. Also had a big play in baseball earlier this year cancel b/c of listed pitchers (when I didn't realize there was a change). The worst, however, is being in Vegas, waking up the next morning and finding an extra ATM receipt or two in your shoe and then getting home and have your bank's fraud protection department call and say "Hi Mr. X, this is Y, I just want to confirm that you made Z withdrawals of $500 this weekend from the Hard Rock Casino" with Z being more than you thought. That blows.
