underly-loaded

Describing a bad, irritating, or unnecessarily stressful situation caused by the actions, presence, or incompetence of one or more people, likely results in a negative reaction whether by the person, or circumstances but could have been prevented had there been better judgement applied.

“Man this is underly-loaded!” “She’s underly-loaded, her mom promised to do her hair but welshed, and now she has to go to school tomorrow looking ridiculous!”