That was very much the point I was making. People really don't want to contemplate even short term outages as they prefer life comfortable
I don't feel I'm missing the point , I do understand what you are saying ( I feel ) .
Most people do want and see the mod con life to continue as conventional and anticipated because mostly - it is. I certainly do. I don't crave an incident to occur.
Its only the occasional shorter term 'blip' that forces most of us to reappraise that and consider some insurance action.
For some that blip , does trigger something to think longer term and establish some basic redundancy in the household. Lets be honest Covid was probably the biggest life changing event we have had in recent history and its impact was massive - some would have reacted to that ( in terms of provisions ) but most would/have/will not.
Ultimately I believe we all prefer a life that is more comfortable than less comfortable - depending on what ones notion of comfort is.