The very first time the Repo-man came to my house, I had no idea who he was and why he was able to come into my house and take something even though I had a burglar alarm set up. I got totally freaked out. Later I did some research online and found out you actually had to pay bills.
The ghost music also freaked me out the first time I heard it, so did the music that comes on when an appliance breaks. (I know, I'm weird.)
And I agree with Sherry, I got so upset when my Sim's girlfriend randomly accused him of cheating, I guess I wasn't watching when some Townie started flirting with him...