[marci]

Or infinite reasons:

- Rain distribution isn't uniform, it poured where she was and thought it was necessary.

And/or

- Overestimating time/sunk cost fallacy ("it's just going to take 2 minutes")

And/or

- Giving less importance to ponctuality than others

And/or

- She didn't have one and thought it was a good idea, worth being late

And/or ...