How you even got this to happen to you I'd love to know. I've never gotten it in 300 hours. I'd agree that toggles would work.
However.
We humans as a species, really really love messy things. Not when they happen to us of course. But. There's a reason reality tv shows, all of Shonda Rhimes tv shows (love her), gossip, scandals, Jerry Springer, soap operas, just plain old DRAMA, etc etc. entertains us so. We can't really enjoy these things in real life much (because who wants to see other people suffer when their long lost wife who just recovered from amnesia returns to meet the new wife but the new wife is the one who tried to kill her! (hire me tv writers)) so we watch it on tv and play it in out in our Sims games. That's what makes the Sims 4 feel so boring sometimes doesn't it? That lack of drama. Where you just want to see something happen to your sim from the random outside world, so we can just watch them suffer and be amused. A violating experience for your sim? The pixels can't feel it. I promise you.
Instead their lives should just continue along, nothing special, until they die. How puritan.
As for consent. Who's consent? Yours or the sim? If it's yours, then randomness has to be eliminated. Nothing can ever happen to any sim ever. Too great a chance it may be something not found funny. If it's the sims', then I'm afraid you're too early for AI to be that advanced yet.
