This also came up when reading the LDS manual.
For those who have a problem with the idea of PREPPER, Lifestyle insurance.
Storm, illness, failure of the retirement fund, old age, job loss for any reason. Lifestyle Insurance is the food, water, clothing, and hopefully fuel, stored for a rainy day.
And if you can’t get your brain around the fact that any of it could happen to you, think how you will feel when you can help someone else who has had it happen to them . . . because we all know it happens only to other people!