Nothing close to a disaster? Breathless nonsense? Well, a little close for me...
On my first solo there was a runway incursion while I was on short final. I saw it, queried my landing clearance with the tower (I was indeed cleared), and decided to go around. I'm betting that, even if the tower didn't issue a go-around order, the pilots who have a little more than my 12-14 dual hours at the time would have decided to do the same.
Granted an A320 moves a little faster than the Katana I was in.