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Plan for the worst, hope for the best. Nobody plans to have a fire, but people have fire extinguishers for a reason. Like seat belts, parachutes and guns, if you need one and don't have it, you will never need one again. At the very least, we should prepare for natural disaster. FEMA recommends to have several days worth of non perishable food and water. Like we learned in Scouts, "Be prepared". Use situational awareness and plan accordingly.