I don't disagree. I'm just trying to explain why people might not prepare, for all sorts of things.
After all, most of us carry a gun because it's low odds, high stakes but people around us are dying of heart disease and car accidents, not gun shots.
Most of us don't learn fancy driving techniques, significantly change our diets or exercise like we all know we should.
Why not? Because its boring or we're not interested or we're too lazy... Yet those things are HIGH odds, high stakes.
So, just as something is part of our lives or interests or experience and we can't imagine how anybody could NOT be prepared for it, we should also realize that there are plenty of other things that we completely ignore, that other people can't imagine why we don't prepare for.