Just a bit of personal experience, I always get thrown for a loop by these questions and invariably answer with some variety of "this doesn't quite fit what you're asking about, but [story about something somewhat similar]" or "i dont think ive ever been in that position" and sometimes that second one gets the addendum "and that's because im built different and avoid that problem by [some more cautious approach]"

and I must be a pretty good interview guy because these motherfuckers always love me by the end of the process, so as with most things in the interview, i dont think it really matters whether or not you have something applicable to say in response, all that matters is that you can maintain the flow of the conversation in a way that doesn't feel jarring. cause interviews are dumb bullshit and the only objective is to not look like a weirdo, an asshole, or someone incapable of working