In my day job, we have disaster plans for disaster plans
Music to my ears: not negative thinking, at all, but a sensible planned strategy if/when disaster strikes—an elaborate 'backup' plan, if you like.
To continue the disk analogy, "disk failure is a matter of when
, not if."
My heart goes out to these folk to be sure.
But if anyone wants to read about why humans are literally blind to rare (although not in this case) and potentially catastrophic events, you can do no better than "The Black Swans", by Nassim Nicholas Taleb. No planning for these events is a very very old problem.