Having a Malaria attack causing you to crash your vehicle into a tree at high speed only to be ambushed by 4 angry men in jeeps with 50 calibur mounted machine guns. Your own vehicle catches fire from excessive gunfire, you jump out and hear the loud rev of a engine. Splat! You've been hit by a enemy car and it's time to reload your last game-save.
But really, I played alot of the multiplayer when it first came out and I'm only going through the campaign/story now. When it's not total bullshit like variations of the above, I like it.