Lol this isn't just about that. When you think about disasters you need to look at effectiveness vs probability. A meteor smashing into earth or zombie apocolypse would effect thousand to millions of people the likelihood of it happening is slim. But on the other end of the spectrum is small things like losing a job, death of a spouse or loved one, maybe even a fire and you lose your home. Those are all things that effect a smaller number of people but way more likely to happen than the big catostropic events. If you start preparing for the little things first eventually the big things are taken care of as well. Every marathon starts with one step folowed by another then another til eventually you are at the finish line.