Living in fear is different than being ready if something happens. There are a lot of people that view things this way now, mostly due to how fucked our culture and country have become.
There are a lot of people now who have their CC now, and they are not all fear filled, right wing, nut jobs. These are people who feel that being ready IF something happens is better than not.
I choose to be ready just in case that 1 out of a billion happens. I could give a shit what other people do, just don't expect me to help your ass when you are not ready.