I did this in one of the original Pokemon games once. They were the first games I had ever played, and on my first play-through, I somehow managed to waste all of my money. I literally couldn't afford to enter the Safari Zone to get the Gold Teeth and the HM in there. Had to restart.
The other time this happened to me was my first time playing FO3. Fresh out of the vault, with no real knowledge of how the saving worked, I go into one of the Megaton bars (not Moriarty's, the one everyone ignores). For some reason, I decided to stealthily kill one of the guys there for being an asshole or something. I killed him, but not too stealthily. The other chick in the bar attacked me, so I had to kill her too. With everyone in the bar dead, I decided to just steal everything in there, figuring the rest of the town would have no idea about the burglary/double homicide I just pulled. After taking literally everything, I step out the door and find an angry mob waiting for me. Oh shit. I immediately turn around and go back in the bar. Whatever magic was keeping them out before was now gone, and they swarmed in after me. Armed with only a 10mm pistol and a handful of bullets, I could take down a good number of them before they killed me, but they always did. Then it would reload the quicksave at the door and start all over again. Fortunately though, this was pretty early on, so restarting wasn't a big deal.