People really need to get over themselves. Not a single person is perfect. You can plan all you want for the what ifs in life but it still might not save your ass. Yes it is good to have savings and a back up plan but many times they fail.
How many people that thought they would never need PA are on it now. How many of them thought they had bullet proof back up plans. You can't predict everything that will happen in life and there are some situations you can never plan for. Things just happen and that is what we call life.