Whatever.
Your personal protection is ALWAYs your responsibility. I guess that should have been my primary point. Just say, “No” still works.
I agree. The mundane, day to day emergencies are the ones that people need to prepare for. They are the ones that are likely to happen to them and they are the ones that people can actually come up with a reasonable plan to deal with.
If there is going to be a mass-effect disaster impacting millions of people, it is nearly 100% certain to be caused by the government and not an act of God.