The question should not be, “What do others do if something happens?“
Sooner or later, most things happen. The water heater springs a leak, someone breaks something and needs a ride to the hospital, or a violent storm comes along and blows the wind vent off the roof.
We think of things that happen to other people, and we tend to play down what may happen to ourselves. Many people refuse to consider possibilities and examine ideas for fear that something might come true.
I believe it’s better to live with a bit of caution as to what might happen and be prepared should it come true.
What are you prepared to do if unfortunate events happen in your life?