Yes, I agree with you. Many people have the wrong attitude, one society seems to promote. The won't happen to me or the someone will come and help attitudes but...Yep, that's not the case right? Not always, or often. Look at Ukraine right now as an example.

I think a lot of people are in for a very rude shock in the times ahead, unless they have put a little thought into preparation. I don't just mean stacking a few Euros away either, I mean in other ways.

Your last sentence is exactly correct.