>What if your brakes go out?  

Downshift...  Try the parking brake and see if that works.

Generally speaking, it'd be a pretty significant failure to have the entire 
braking system go out.  Braking systems on "modern cars" (anything from the 
mid-60s from what I recall) have a dual circuit - one half controls the left 
front and right rear brake and the other, the right front/left rear.  

What is more likely to happen is to lose one side which would just require more 
pedal effort.  

If the master brake cylinder goes bad, then pumping the brake pedal will build 
pressure back into the lines.  

>What if your steering locks up...

Once again, this would be along the lines of catastrophic failure - like, "wow 
man... I just ran my car over that sidewalk and now I can't steer my car".  If 
the steering locks up, flip the hazards on and bring the car to a controlled 
stop and then if it's safe to get out of the car without getting hit and 
there's someplace nearby that's safe to go, get out and move behind the car to 
that safe place.  

What if someone throws paint at your windshield?  What if you hit a patch of 
black ice?  What if???


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